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Debit & Credit Cards

The Right Card For Your Business

From ATM cards to debit cards to credit cards Heartland Bank offers the right card service for you to access your money when and where you need it.

Heartland Bank Visa® Debit Card
  • NO ANNUAL FEE with any personal or business checking accounts
  • 24 Hour access to cash
  • Withdraw funds from any ATM in the world (certain restrictions may apply; fees may apply at non-Heartland Bank machines)
  • Ability to purchase items anywhere a regular Visa® Card is accepted, including online
  • 4-digit Personal Identification Number (PIN) to keep your account safe and secure
  • Faster and easier than writing checks. Pay without presenting an ID.
  • Safer than carrying cash.
  • Saves you money – you can buy and use fewer checks.

 

Heartland Bank Visa® Business Credit Cards

Find the Perfect Card for you & your Business.

Visit with your local Relationship Manager to see which card is right for your business.

Business Edition® Visa® Card with Reward Simplicity

Everything your business needs.
Rewards. Low Intro. Bonus Offer.

  • No Annual Fee1
  • Unlimited 1.5% Cash Back2 on every purchase. Every day.
  • 0% introductory APR1 on purchases and balance transfers for the first 12 billing cycles after the account is opened. After that, a variable APR based on the Prime Rate between 14.24% and 20.24% APR depending on your creditworthiness.
  • Plus, a $30 Bonus (3,000 points equivalent) when you spend $600 within the first 3 billing cycles after the account is opened.2
    Points will be awarded 6-8 weeks after qualifying.
  • A balance transfer fee1 of 5% (minimum $10) applies to each balance transfer you make.

Business Edition® Secured Visa® Card

Establish or improve your business credit

  • $39 Annual Fee1
  • A variable 24.24% APR1 on purchases and balance transfers based on the Prime Rate.
  • Request your own credit limit3 between $2,000 and $100,000 (multiples of $50) when you apply, subject to credit approval.
  • Security deposit is 110%3 of the amount of your credit limit, between $2,200 and $110,000 (multiples of $50), subject to credit approval.
  • Reward yourself with interest earned on your security deposit4
  • A balance transfer fee1 of 5% (minimum $10) applies to each balance transfer you make.

See your banker for more information. 

Important Information

Q: If I request a balance transfer, will you process the entire amount that I requested? A: We will do our best to accommodate your request. If you are approved, we may permit you to transfer balances from other eligible credit cards or accounts up to the amount of your credit limit we make available for balance transfers (which may be less than your total assigned credit limit). If the total amount(s) requested to be transferred exceed(s) the portion of your assigned credit limit for balance transfers, we may process part of your request or decline your request in our sole discretion. You cannot request a balance transfer to make payments on a First National Bank of Omaha account or any credit card account issued by First National Bank of Omaha.

1For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms link for each product listed above.

2See the Rewards Terms and Conditions in the Summary of Credit Terms link for the rewards product listed above for details, including earning, redemption, expiration or forfeiture. Your % back rewards are earned as points.

3You may only charge up to your approved credit limit, which will be less than the deposit you provide. The amount of your security deposit is 110% of the amount of your credit limit. Your security deposit may not be refundable if your account is in default.

4See Deposit Agreement available when you apply for details.

5Complete program details, including restrictions, limitations and exclusions, will be available when you become a Cardmember.

6Visa's Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.

Cards are issued by First National Bank of Omaha (FNBO®), pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.

Heartland Bank ATM Card
  • NO ANNUAL FEE with any personal or business checking accounts
  • 24 Hour access to cash
  • Withdraw funds from any ATM in the world (certain restrictions may apply; fees may apply at non-Heartland Bank machines)
  • Ability to purchase items at businesses where Interlink is accepted
  • 4-digit Personal Identification Number (PIN) to keep your account safe and secure

Need to report a lost or stolen Debit/ATM Card?

Call 800-759-3119 during business or 1-866-414-0469 after business hours. If you would like to report suspicious activity on your account click here.

Make the Easy Switch to Heartland Bank

Have one of our MySwitch Specialists personally guide you through the process of switching banks. We're here to help. 

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