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Personal Checking - Mobile

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.

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.
 

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 Premium Checking

Heartland Advantage Checking

Health Savings Account

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 to obtain a higher rate of interest

you want special rates on certificate of deposits and other benefits

 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
Yes Yes Yes

Debit Card Security
 Yes  Yes Yes
Yes Yes
Free Online Banking & Bill Pay  Yes Yes
Yes Yes Yes
Interest Paid No                             No

Yes, with balances above $2,500.00

Yes, with a balance of $500.00

Yes

Minimum Opening Deposit $50.00  $50.00 $100.00 $100.00

 $100.00

Minimum Daily Balance to Avoid Account Maintenance Charge n/a  $600.00 $600.00 $100.00

$1,500.00 that can be waived with another account

Monthly Account Maintenance Charge (if below minimum) n/a  $7.00 $7.00 $7.00 $4.00
Per Item Charge         n/a  $.30 per item when you exceed 20 items per statement cycle. None with minimum daily balance over $1,000.00  $.30 per item when you exceed 20 items per statement cycle. None with minimum daily balance over $1,000.00
 n/a  n/a 


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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