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Personal Checking

Personal Checking Accounts

Open an account.Do you write a lot of checks each month or just a few? Would you rather bank at home on the Internet, or visit a bank office? No matter how you choose to manage your money, we have a checking plan that’s right for you. The comparative grid below may better help you decide which checking product best fits your needs.

For more information on our checking products, contact your local office or click here to request to be contacted. We would be happy to assist you in finding the right checking account for you!


Banking Benefits
Heartland Free Checking
 Heartland Basic Checking
Heartland Advantage Checking
Heartland Premium Checking

Health Savings Account

  More info... More info...  More info...  More info... More info...
Account Suggested if… you want an absolutely free account you want a non-interest earning account that permits you to write checks against the balance
you want special rates on certificates of deposits and other benefits  you want a competitive annual percentage yield  you are covered under a high deductible health care plan but not enrolled in Medicare or are a small business owner and or employee with limited health care coverage
Free Debit Card with access to the MoneyPass network Yes
Yes

Verified by Visa Debit Card Security - Yes (click to learn more)
Free Online Banking & Bill Pay Yes
Yes
Interest Paid No No
Yes, with a balance of $500  Yes, with a balance of $2,500 Yes
Minimum Opening Deposit $50 $50
$100
$100
$100
Minimum Daily Balance to Avoid Account Maintenance Charge n/a  $600  $100  $600 $1,500 that can be waived with another account
Monthly Account Maintenance Charge (if below minimum) n/a  $7  $7  $7 $4
Per Item Charge n/a $.30 per item when you exceed 20 items per statement cycle, can be waived with $1,000 minimum daily balance 
n/a
$.30 per item when you exceed 20 items per statement cycle, can be waived with $1,000 minimum daily balance n/a

Heartland Free Checking
A no-charge, non-interest-earning account for you that permits you to write checks against the balance.

Heartland Basic Checking
A non-interest-earning account for you that permits you to write checks against the balance. 

Heartland Premium Checking
A personal checking account that pays a competitive annual percentage yield with a minimum daily balance of $2,500 or more.

Heartland Advantage Checking
A checking account with additional benefits and services that is designed specifically for you.

Health Savings Account
An interest bearing, tax-exempt account established exclusively for the purpose of paying or reimbursing qualified medical expenses. 

Contact us via email or call your local office for more details! We would be honored to help find the right checking product for you!
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