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Personal Checking

Find a checking solution that fits your needs.

Understanding your checking account shouldn't be a difficult process. Which is why, at Heartland Bank, we offer checking accounts that can be tailored to fit your individual needs, but are still easy to manage.

All of our accounts include:

  • Online & Mobile Banking
  • e-Statements & e-Notices
  • Heartland Bank Debit Cards 
  • Apple, Google and Samsung Pay
  • Online Bill Pay

Simple Checking

Yes No minimum balance requirement

Yes No monthly maintenance fee

Yes $50 minimum opening deposit

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Interest Checking

Yes No monthly maintenance fee if you maintain an average daily balance of $2,500 or more, otherwise pay $5

Yes $50 minimum opening deposit

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Advantage Checking

Yes No monthly maintenance fee if you maintain an average daily balance of $10,000 or more or $50,000 in a combined balance, otherwise pay $20

Yes $1,000 minimum opening deposit

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Simple Checking

Yes No minimum balance requirement

Yes No monthly maintenance fee

Yes $50 minimum opening deposit

Statement Options

Relationship Benefits

Home Mortgage Discounts

Be eligible to receive $200 off of home mortgage closing costs. See a Home Mortgage Relationship Manager for more details. Subject to credit approval.

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Interest Checking

Yes No monthly maintenance fee if you maintain an average daily balance of $2,500 or more, otherwise pay $5

Yes $50 minimum opening deposit

Yes Interest is tiered and paid on the entire balance once the balance requirement is met.

Statement Options

Relationship Benefits

Home Mortgage Discounts

Be eligible to receive $300 off of home mortgage closing costs. See a Home Mortgage Relationship Manager for more details. Subject to credit approval.

Interest Rate Discounts

Rate discounts eligible at the time of applying for new Auto Loan.

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Advantage Checking

Yes No monthly maintenance fee if you maintain an average daily balance of $10,000 or more in your Advantage Checking or a $50,000 accumulative relationship balance in eligible accounts*, otherwise pay $20

Yes $1,000 minimum opening deposit

Yes Interest is tiered and paid on the entire balance once the balance requirement is met.

*Eligible accounts for the accumulative balance option include personal checking, savings, certificates of deposit, money markets, IRAs, HSAs and outstanding personal loans. Excludes secondary market mortgages and credit cards. All other fees apply.

Relationship Benefits

Statement Options

Account holders are refunded the $3.00 paper statement fee.

ATM Refunds

Receive up to $10 per statement cycle of refunded foreign ATM fees.

Home Mortgage Discounts

Be eligible to receive $400 off of home mortgage closing costs. See a Home Mortgage Relationship Manager for more details. Subject to credit approval.

Interest Rate Discounts

Rate discounts eligible at the time of applying for new Home Equity Line of Credit or Auto Loan.

Complimentary Heartland Bank Checks

Receive complimentary single, wallet Heartland Bank checks. Shipping charges will apply.

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Ready to open an account?

Get started by filling out our online account application. Our associates will reach out to you to help you finish the process.

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Compare accounts

  Minimum opening deposit Monthly Maintenance Fee Statement Options Relationship Benefits
Simple Checking

$50

None

$3 fee per statement cycle for paper statements or $0 with e-Statement enrollment

Eligible to receive $200 off of home mortgage closing costs. 

Interest Checking

$50

$5 if average daily balance falls below $2,500

$3 fee per statement cycle for paper statements or $0 with e-Statement enrollment

Eligible to receive $300 off of home mortgage closing costs. 

Rate discounts eligible at the time of applying for new Auto Loan.

Advantage Checking

$1,000

$20 if average daily balance falls below $10,000 or accumulative relationship balance falls below $50,000

Account holders are refunded the $3 paper statement fee

Receive up to $10 per statement cycle of refunded foreign ATM fees.

Eligible to receive $400 off of home mortgage closing costs. 

Rate discounts eligible at the time of applying for new Home Equity Line of Credit or Auto Loan.

Receive complimentary single, wallet Heartland Bank checks. Shipping charges will apply.

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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