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Your Security Is Our Priority

At Heartland Bank, we combine advanced technology with a caring, local team to keep your money safe. Explore our resources to learn, protect, and stay confident in your banking.

Report Fraud

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Our Commitment to You

Heartland Bank is committed to protecting your personal and financial information with the latest security technology and fraud monitoring tools. But we're also committed to educating and supporting you, so you feel confident and empowered every time you bank with us.

 

Did you know?

Nebraskans reported losing $42.5 million to scams in 2024, a figure that has tripled over the last four years. The most frequently reported types of fraud and scams in Nebraska for 2024 included: Imposter Scams, Identity Theft, Online Shopping Scams, Investment Scams, and Elder Fraud.

Unified Defense Against Fraud

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Associates

Our associates are dedicated to protecting you from scams and fraud. With extensive, ongoing training, they are equipped to help detect fraudulent activity quickly and accurately. We prioritize your safety and peace of mind, working tirelessly to safeguard your personal and financial information.

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EnFact

Our EnFact software monitors your debit card for suspicious activity, alerting you via text, phone call, or email if anything unusual is detected. If fraud is confirmed, an EnFact analyst will assist in securing your account. All debit card customers are automatically enrolled in this free service. 

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Education

Education is crucial in the fight against fraud. We prioritize helping our customers stay informed about the latest scams and protective measures. By providing valuable resources and support, we empower you to safeguard your personal and financial information. 

Secure Your Accounts

Protect your money with powerful tools designed to keep you informed, in control, and confident.

We want you to feel secure every time you bank, whether you're checking your balance, making a purchase, or managing your cards on the go. These tools put real protection right at your fingertips, helping you spot suspicious activity early, strengthen your login security, and safeguard your personal information.

HBMobile

HB Mobile

Secure, convenient banking from anywhere.

Do More With HB Mobile:

✔ Check Balances & Activity

✔ Lock/Unlock Your Debit Card

✔ Set Travel Notifications

👉 Learn More About HB Mobile

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HB Alerts

Real-time notifications that help you spot suspicious activity fast.

Includes Alerts For:

✔ Purchases & Withdrawals

✔ Transfers & Deposits

✔ Login Attemps & Profile Changes

👉 Learn More About HB Alerts

 

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Credit Sense

Your free built-in credit monitoring tool.

Credit Sense Helps You:

✔ Check Your Credit Score

✔ Get Alerts for Unusual Activity

✔ Understand & Track Your Score

👉 Learn More About Credit Sense

Lost or Stolen Card?
 
Your Security is Our Priority. We understand that misplacing your card can be a stressful experience. Rest assured, our dedicated associates are here to help and provide the support you need. If you ever discover that your card is missing, please reach out to us as soon as possible. Your trust in us matters.
To respond to a call from eNFACT®, call 1+(833) 735-1894, available 24/7.
Digital padlock icon glowing over binary code background, symbolizing online data security and protection from cyber threats.

Fraud Prevention Resource Center

Explore common scams, try interactive tools, and access trusted resources, all in one place, designed to help you stay informed and protected.
👉 Visit the Fraud Prevention Resource Center

Fraud Doesn't Just Impact Individuals

Local businesses are targeted, too. If you own or manage a business, explore our specialized tools and resources designed to help safeguard what you work so hard for: your business. Click on the image below to explore more.

 

Business professional using a laptop with digital security icons overlayed, promoting the Heartland Bank Business Fraud Resource Center with the message “Protect Your Business. Tools. Tips. Protection.”

Frequently Asked Questions

Your security matters to us, and we want you to feel confident every time you bank. Here are answers to the most common questions our customers ask, all in one easy place.

Can I get a free copy of my credit report?

Yes, you can check your credit report for free, and it’s one of the best ways to protect your financial health.

Your credit report plays an important role in things like loan approvals, interest rates, renting an apartment, and even some job applications. Reviewing it regularly can also help you spot signs of fraud or identity theft early.

Federal law allows you to request a free copy of your credit report once every 12 months from each of the three major credit bureaus: Equifax, Experian, and TransUnion.

The easiest and safest way to access your reports is through AnnualCreditReport.com, the official site authorized by the federal government.

For more information about your rights and how to manage your credit, visit resources from the Federal Trade Commission and the Consumer Financial Protection Bureau.

Will Heartland Bank ever ask for my password or PIN?
No. Heartland Bank will never ask for your password, PIN, full Social Security Number, or full debit card number by phone, text, or email.
Is mobile banking safe?
Yes. HB Mobile uses secure logins, encryption, and multi-factor authentication to keep your information protected. You can add even more security by enabling Face ID or fringerprint login.
What should I do if I clicked on a suspicious link?

If you clicked on a suspicious link, take action right away, even if nothing seems wrong yet.

  • Do not enter any information or click anything else on the page. Close it immediately.
  • Secure your accounts. If you use mobile banking, turn your debit card off in the app as a precaution. If there is no threat, you can always turn it back on and continue using.
  • Change your passwords, starting with online banking and any accounts that use the same or similar passwords
  • Review your account activity for anything unfamiliar and continue monitoring closely.
  • Run a security scan on your device with an updated antivirus or malware protection program.
  • Enable or review account alerts so you're notified quickly if something changes.
  • Reach out to your local Heartland Bank branch, where our friendly team is ready to assist you.

If something doesn't feel right, trust your instincts. Acting quickly can help prevent fraud.

 

How do I know if a message is really from Heartland Bank?

If you're unsure, stop and contact us directly. We will never ask you to verify personal information through email, text, or a link.

What should I do if I think I've been scammed?

Call Heartland Bank immediately. The sooner you reach out, the faster we can help protect your accounts. Then visit IdentityTheft.gov for personalized next steps.

How can I protect my accounts from fraud?
  • Turn on HB Alerts
  • Use strong, unique passwords
  • Review your accounts regularly
  • Never share personal information unless you initiate the contact
  • Lock/unlock your debit card in HB Mobile if something looks off
What is EnFact and why am I getting alerts from 37268?

EnFact is our debit card fraud monitoring system. If it detects unusual activity, you may receive a text from 37268  or a phone call.

It will never ask for your PIN, full Social Security Number, or full Card Number.

How can I keep my online and mobile banking secure?
  • Use multi-factor authentication
  • Keep your device updated
  • Avoid public WiFi for banking
  • Don't store passwords in browsers
  • Log out when you're done
How Does Heartland Bank Protect Me?

Heartland Bank will never send emails requesting your personal or confidential information. We will never ask you to “verify” your information or click on a special link to do so. If you receive a message like this, it is not from us.

Stop. Look. Call. Act.

Stop.
Pause before responding to any unexpected or suspicious email—especially those using urgent or alarming language.

Look.
Read the message carefully. Ask yourself why the sender would truly need this information. Do not be intimidated by threats or deadlines, and don’t rely solely on the name or email address in the “From” field—these can easily be spoofed.

Call.
Contact the organization directly using a trusted, verified phone number—not the one provided in the email.

Act.
If you believe your information has been compromised, act immediately. Notify your financial institution, closely monitor your account statements and credit reports, and report the incident to the three major credit reporting agencies:

  • Equifax: 800-525-6285

  • Experian: 888-EXPERIAN

  • TransUnion: 800-680-7289

Our Commitment to You

Heartland Bank is committed to protecting your confidential financial information. The strongest defense against fraud is awareness, and we believe in working hand-in-hand with our customers to stay one step ahead of fraudsters. Our website provides helpful tips and trusted resources designed to educate and empower you to protect yourself.

How We Protect Your Information

Privacy Policies
Protecting your privacy is one of our highest priorities. Our strict privacy policy safeguards your personal information and is actively enforced. You can review our Privacy Policy anytime on our website.

Encryption Technology
We use advanced encryption software to protect your data. This technology scrambles information shared between you and the bank so it can only be read by authorized parties.

Helpful Articles & Safety Tips

Security Educational Payment Security ACH Fraud Prevention ACH Payments Business Banking NACHA Rules

NACHA's New ACH Fraud Monitoring Rules: What Businesses Need ...

By  Heartland Bank    On 24 March 2026
Key Takeaways NACHA’s new ACH fraud rules take effect in 2026 Businesses must monitor ACH activity for suspicious transactions Preparing now can help reduce fraud risk and ensure ...
Read more
Security Educational Payment Security Check Washing Mail Fraud Check Fraud Scam Awareness Financial Security

Check Washing & Mail Fraud: What Nebraska Customers Need to ...

By  Heartland Bank    On 24 March 2026
Key Takeaways Check washing is a growing fraud where stolen checks are altered and cashed Mailboxes and drop boxes are common targets Digital payments are the safest way to ...
Read more
News & Stories Cybersecurity Security

🚨 Payroll Scam Alert: Protect Your Business Before It’s Too ...

By  Heartland Bank    On 7 November 2025
At Heartland Bank, we care deeply about your financial security — because when our local businesses thrive, our communities thrive. Recently, we’ve seen an increase in a specific ...
Read more
Friendly Heartland Bank associate wanting to help serve customers.
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© 2026 Heartland Bank

Internet Explorer 10 Support Notice

Due to recently increased security requirements, we at Heartland Bank are no longer able to support version 10 or older of Internet Explorer. We are sorry for this inconvenience, and encourage you to upgrade to more secure options such as Internet Explorer 11, Google Chrome, or Mozilla Firefox.

Upgrade to Internet Explorer 11
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