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Personal Savings

Save for Your Future Today

Saving is important for your future. At Heartland Bank, our savings options provide the foundation and flexibility for all of your financial dreams and needs.

From basic savings accounts to money market accounts, Heartland Bank has the right savings account for you. We’re here to listen to your goals and review the alternatives that best fit your life.

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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Select Savings

You just can’t select a simpler, easier to manage savings account that pays tiered interest.

  • $25 minimum opening deposit
  • No monthly maintenance charge with $100 average daily balance; $2 monthly maintenance charge if average daily balance falls below $100
  • Monthly maintenance fee waived for ages 21 and under
  • Tiered interest paid on entire account balance
  • Interest compounded monthly

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Money Magic Club

We’ve devised this special program to show your youngsters that saving can be fun.

  • $5 minimum opening deposit
  • No monthly maintenance fee
  • Exclusively for ages 12 and under
  • Interest earned on entire account balance

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InvestorPlus Money Fund

The InvestorPlus Money Fund is a great alternative to CDs and savings accounts. You earn interest while keeping your cash available. This is the account for the investor with a higher balance and higher goals. Contact a Universal Banker at Heartland Bank for more information.

  • $10,000 minimum balance to open
  • No monthly maintenance fee
  • Free InvestorPlus checks
  • $10,000 minimum balance to earn interest
  • Higher rate of interest
  • Interest tiered to pay higher rates on higher balances
  • Interest compounded monthly
  • Three free withdrawals / checks per month. $5 per withdrawal / check over three

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Ambassador Club Savings

An other Ambassador Club account exclusively for customers age 55 or better! Like Ambassador Club Checking, this account also includes the Club’s special travel perks, organized events and more.

  • Free with a checking or savings account balance over $1,500
  • Interest is tiered and compounded monthly
  • Special travel offers, club events and activities
  • Ten free photocopies each month
  • Find out more about the club

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Health Savings Account (HSA)

A Health Savings Account (HSA) is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents. A HSA is established by you in much the same way that you establish an IRA.

You are eligible to make an HSA contribution if you:

  • Are covered under a high-deductible health plan
  • Are not also covered by any other health plan
  • Are not enrolled in Medicare
  • Cannot be claimed as a dependent on another person's tax return

If you qualify for an HSA, you, your employer, your family members, and any other person (including non-individuals) may contribute to your HSA. This is true whether you are self-employed or unemployed. The maximum annual contribution amount is generally 100% of the annual medical insurance deductible.*

Other benefits:

  • Contributions are deductible*
  • Contributions made by an employer may be excluded from employee's gross income
  • Earnings grow tax deferred
  • Distributions for qualified medical expenses are tax free
  • "Portable" account stays with you if you change employer or leave the work force
  • A "catch-up" contribution is available for individuals who are age 55+

*Consult with your tax or legal professional for guidance.

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Savings OptionsKey FeaturesIdeal If You Want...
Savings Accounts Easy to manage accounts that pay tiered interest Basic savings account benefits
Health Savings Accounts (HSA) Save for out-of-pocket qualified medical expenses for you and your family A flexible savings plan for your medical expenses (when paired with a High Deductible Health Plan)
InvestorPlus Money Fund Interest rate based on balance tiers An alternative to CDs that keeps your cash available

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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