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Personal Checking
Personal Checking Accounts
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 |
Option Checking |
Personal Money Market Checking |
Heartland 50 |
Heartland Plus |
Founders Plus |
Health Savings Account |
| More info... | More info... | More info... | More info... | More info... | More info... |
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| Account Suggested if… |
you want an absolutely free account |
you want to obtain a higher rate of interest |
you want special rates on certificate of deposits and other benefits |
you have $5000 or more in a savings account or CD. |
you want a tiered interest rate |
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 but no access to the MoneyPass network |
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Verified by Visa Debit Card Security - Yes (click to learn more) |
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| Free Online Banking & Bill Pay | Yes |
Yes | ||||
| Heartland Rewards Club |
Free for the first 60 days. ($4.95/month after 1st 60 days) |
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| Interest Paid | No | Yes, with balances above $1,000 | Yes, with a balance of $500 | Yes, with a balance of $1,000 | Yes, with a balance of $2,500 | Yes |
| Minimum Opening Deposit | $50 | $100 | $100 | $100 | $100 | $100 |
| Minimum Daily Balance to Avoid Account Maintenance Charge | n/a | $600 | $100 | Waived with $5,000 in a Savings Account or CD | $600 | $1,500 that can be waived with another account |
| Monthly Account Maintenance Charge (if below minimum) | n/a | $7 | $7 | $7 waived with $5000 in linked Savings or CD | $7 | $4 |
| Per Item Charge | n/a | $.30 per item when you exceed 20 items per statement cycle | n/a | $.30 per item when you exceed 20 items per statement cycle | $.30 per item when you exceed 20 items per statement cycle | n/a |
Option Checking
A no-charge, non-interest-earning account for you that permits you to write checks against the balance.
Personal Money Market Checking
A personal checking account that pays a competitive annual percentage yield with a minimum daily balance of $1,000 or more.
Heartland 50
A checking account with a special package of products and services that is designed specifically for you.
Heartland Plus
A package of services tailored to meet the needs of the consumer with waivers based on deposit balance relationship. Perks of the Heartland Plus account are applicable when bundled with a Heartland Bank Certificate of Deposit.
Founders Plus
A personal checking account that pays you a competitive annual percentage yield
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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