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Personal Checking

Choose a checking account that fits your life, not the other way around.

There is no one-size-fits-all when it comes to checking accounts. Therefore, Heartland Bank offers checking accounts with a variety of features to help you find the one that best fits your needs.

Free Checking

Keep your checking account free and easy.

  • $25 minimum opening deposit
  • No minimum balance requirement
  • No monthly maintenance fee
  • Free online check images
  • Unlimited check writing

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Basic Checking

This economical checking account covers your basic needs and gives you several extras.

  • $50 minimum opening deposit
  • No monthly service charge with $300 average daily balance; $5 monthly service charge if average daily balance falls below $300
  • The first box of single/wallet checks free with applicable shipping and handling or $5 off of specialty checks
  • Monthly statement includes your check images
  • Unlimited check writing

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Regular Checking

This economical checking account covers your basic needs and gives you several extras.

  • $50 minimum opening deposit
  • No minimum balance requirement
  • $6 monthly service charge
  • Free checks (150 pack wallet specialty mint) with applicable shipping and handling or $5 discount on specialty checks
  • Monthly statement includes your check images
  • Unlimited check writing
  • Free 4 ½ X 4 safe deposit box for one year (upon availability)

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Interest Checking

The higher your balance, the more interesting this account becomes!

  • $50 minimum opening deposit
  • No monthly service charge with $2,500 average daily balance; $5 monthly service charge if average daily balance falls below $2,500
  • Interest paid on daily balances of $500 and more
  • Interest tiered to pay higher rates on higher balances
  • Checks are available at standard rates
  • Monthly statement includes your check images
  • Unlimited check writing

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Ambassador Club Checking

This account, exclusively for customers age 55 or better, includes special travel perks, organized events and more.

  • $50 minimum opening deposit
  • No minimum balance required
  • Free with a checking or savings account balance over $1,500
  • Interest paid on entire account balance
  • Free personalized club checks or $5 off each order of specialty checks. Shipping and handling charges apply.
  • Monthly statement includes images of your check images
  • Unlimited check writing
  • Special travel offers, club events and activities
  • Free club newsletter
  • Ten free photocopies each month
  • Click here to learn more about the club.

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Ready to open an account?

Whether you know which account works best for you or not, get started by filling out our online account application. 

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Compare accounts

All of our accounts include free online banking, mobile banking, mobile deposit, e-Statements and e-Notices.
  Free Basic Regular Interest Ambassador Club
Interest on balance No No No Tiered interest rate on daily balance of $500 and above Interest paid on entire account balance
Maintenance Fee No $5 if average balance falls below $300 $6 $5 if average daily balance falls below $2,500 No
Unlimited check writing Yes Yes Yes Yes Yes
Free Check Imaging No Yes Yes Yes Yes

 

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