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...
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	Yes	Yes	Yes	Yes but no access to the MoneyPass network
Debit Card Security	Yes	Yes	Yes	Yes	Yes	Yes
Free Online Banking & Bill Pay	Yes	Yes	Yes	Yes	Yes	n/a
Heartland Rewards	Free for the first year. ($9.95/year after first year)	Free for the first year. ($9.95/year after first year)	Free for the first year. ($9.95/year after first year)	Free for the first year. ($9.95/year after first year)	Free for the first year. ($9.95/year after first year)	Free for the first year. ($9.95/year after first year)
Interest Paid	No	Yes, with balances above $1000.00	Yes, with a balance of $500.00	Yes, with a balance of $1000.00	Yes, with a balance of $2500.00	Yes
Minimum Opening Deposit	$50.00	$100.00	$100.00	$100.00	$100.00	$100.00
Minimum Daily Balance to Avoid Account Maintenance Charge	n/a	$600.00	$100.00	Waived with $5000.00  in a Savings Account or CD,	$600.00	$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 waived with $5000 in linked Savings or CD	$7.00	$4.00
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 Heartand Bank Certificate of Deposit.
 
Founders Plus
A personal checking account that pays you a competitive annual percentage yield