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Bill Pay Banner

Did you know Online Banking gives you powerful tools to pay bills and receive money—fast and securely?

With Bill Pay, you can easily manage and schedule your payments all in one place. Whether you're at home or on the go, you’re in control—you choose when to pay, how much to pay, and who gets paid. It's simple, organized, and entirely on your terms.

Experience the benefits of Bill Pay today!

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Convenience

Pay bills at home or on the go anytime.

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Safety

Add, pay, and manage bills using one password from one place.

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Control

You determine who, when, and how much you pay. Stop or change payments or view payment history.

How to Enroll in Online Bill Pay

Heartland Bank makes paying your bills easy, secure, and convenient. Follow the steps below to set up Online Bill Pay.

💻 How to Set Up Online Bill Pay

Important: You must use a web browser (such as Chrome, Safari, or Edge) on desktop computer or on your mobile deviceto complete this setup process. Online Bill Pay enrollment is not available through the mobile app.

Step 1: Log in to Online Banking

  • Go to www.myheartland.bank and log in to your Online Banking account.

  • Click the "Bill Payment" tab.

    Bill Payment Enrollment

Step 2: Begin Enrollment

  • You’ll be taken to the Bill Payment Enrollment screen.

  • Click the blue Enroll button to continue.

Step 3: Accept Legal Agreements

  • Review the Privacy Policy and check the I Accept box, then click Continue.

  • Review the Terms of Service, and check the I Accept box, then click Continue.

Step 4: Choose a Bill to Pay Take care of your bills in 3 easy steps!

  • Use the category buttons (Utilities, Phone, Insurance, Credit Cards) or search for a company.

  • If a company can't be paid electronically, a check will be mailed on your behalf.

Step 5: Enter Bill Details

  • Fill in your account and billing information from your bill.

Step 6: Choose Payment Amount & Date

  • Enter the amount and date you want to send the payment.

  • Submit to complete the setup.

Online Bill Pay Fees:

Bill Pay is free up to 15 payments per month - payments over 15 are $.50 each

These other fees may be associated with Online Bill Pay:


Type of Fee Fee
Non-Sufficient Funds $30 per item
Bill Payment Recall $15 per item
Stop and Re-issue $15 per item
Overnight Delivery $14.95 per item

Frequently Asked Questions

What is Online Bill Pay?

With Online Bill Pay, you can pay any company or person you owe.

Quick Facts
  • Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. We send the money electronically whenever we can. If the person or company can’t accept electronic payments, we print a check and mail it for you.
  • Review your payments and bills for the past 84 months in Activity. You can download your payment info to a comma-separated values (CSV) file. You can import the file into a number of different personal financial software applications.
  • Send money electronically to people. They receive notification by email or text message.
More Convenience
  • eBills. Save a trip to the mailbox or another website to get your bills. Some of your bills can be delivered right in Online Bill Payment. You can view your eBills in Payment Center and pay them with a few simple clicks. You decide how much you want to pay and when you want to send the payment.
  • AutoPay. You can set up automatic payments to be sent according to a schedule you set. You can change or cancel AutoPay at any time.
  • AutoPay for eBills. You can set up some eBills to be paid automatically according to options you set. You can change or cancel AutoPay for eBills at any time.
How does Online Bill Pay work?

Provide some info about the company or person you want to pay, and then tell us how much and when you want the payment made. We send your payment electronically when possible. If the person or company can’t accept electronic payments, we print a check and mail it for you.

The Payment Center lists the companies and people you can pay.

Enter a payment amount and the date when you want processing to begin. The date when the company or person receives the payment appears in the Deliver By field. You can also view and select the date from the calendar.

Who can I pay using Online Bill Pay?

Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. You can pay companies, friends and family members, and service providers, such as the babysitter or the plumber.

Payment Center. When you use Payment Center to send money, we send the payment electronically whenever possible. If the company or person cannot receive electronic payments, we print a check and mail it to the address you provided.

Zelle. You can send money to a person using only an email address or a mobile phone number. The recipient can use the info provided in the email or text message we send to claim the money and deposit it into an account.

Who can't I pay using Online Bill Pay?

Use Online Bill Pay to pay companies and people with addresses in the United States or its territories. You cannot use Online Bill Payment to send payments to addresses outside the United States.

We don't recommend using Online Bill Payment to make state and federal tax payments or court-ordered payments. Such payments are discouraged and must be scheduled at your own risk.

Is my info secure?

Yes. Online Bill Payment uses several methods to ensure that your info is secure.

  • SSL. Online Bill Payment uses SSL (secure sockets layer), which ensures that your connection and info are secure from outside inspection.
  • Encryption. Online Bill Payment uses 128-bit encryption to make your info unreadable as it passes over the Internet.
  • Automatic Sign Out. Online Bill Payment automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). This feature helps prevent another person from being able to resume your session if you walk away. For best security, don't use your browser's Back or Refresh buttons, and sign out immediately after you finish your tasks in Online Bill Payment.
Is my personal info kept private?

Yes. Your personal info is used to help us maintain your account and verify your identity. We verify this info with a consumer credit reporting agency for your security and protection. The verification process does not affect your credit report, credit rating, or credit worthiness.

Please review the Terms of Service for a complete description of when Online Bill Payment must disclose information to third parties.

 
What kinds of accounts can I use with Online Bill Pay?

You can use checking accounts that support electronic transactions. In certain cases, you can also use money market accounts to pay bills.

If I delete an account, what happens to pending or scheduled transactions?

Deleting an account cancels all pending payments, including those scheduled automatically.

What do I need to know to pay companies and people using Online Bill Pay?

You can use Payment Center to pay any company or person with a U.S. address. Payment Center offers the flexibility and convenience of sending money from one place.

Quick Facts
  • You can pay anybody in the United States or territories that you can pay using cash, check, or debit.
  • We send the money electronically whenever possible. If the company or person can't accept electronic payments, we print and mail a check on your behalf.
  • In Payment Center, tell us who to pay, the payment amount, and the delivery date. The money stays in your account until it’s time for us to deliver the payment.
  • When you add a company or person to pay, we save the contact info to make future payments even quicker and easier.
  • We maintain relationships with thousands of companies, and manage their contact info for you.
  • Payments made through Payment Center are guaranteed.
  • You can send money electronically to people. They receive notification by email or text message.
Do I need to have Bill Pay set up to use Zelle®?

Yes, you will need to set up Bill Pay to use Zelle®.

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