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Checking Accounts Personal Checking Heartland 50 Option Checking Founder's Account Plus IOTA/IOLTA Account Health Savings Checking Accounts Other Accounts Savings Accounts Money Market Accounts IRAs Alternative Investing and Retirement Loans & Credit Internet Banking Other Services	Personal Checking Account A non-interest-bearing account that gives you full-service account features without the full-service account charges. Account Features Permits deposits at any time, including direct deposit. Provides security for the depositor. Checks may be written at any time. Less costly than Money Orders or Cashier's Checks. FDIC Insured. Free safekeeping of customer's checks. Facilitates account recordkeeping. Convenience of ATM access. Easy access to your funds. Unlimited ATM transactions at all Heartland Bank locations at no charge. 24-hour telephone banking.     Open this account Get more information Find a location near me   Additional Specifications & Fees Minimum Opening Deposit $50.00 minimum opening deposit. Monthly Maintenance fee $7.00, waived with a $600.00 minimum daily balance. Other Fees & Charges All debit transactions above 20 items per statement cycle will be assessed an activity charge of $.30 per item. Miscellaneous fees may be assessed against the account. Refer to the Schedule of Fees for a complete listing of these charges. Rules & Regulations

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