Personal Checking

Heartland personal checking accounts provide options and flexibility to meet your lifestyle and financial needs, allowing you to manage your money efficiently and economically.

We’re certain to offer an account to meet your needs and exceed your expectations.

Choose the one that’s right for you!

Features	eChecking	Free Checking	Free 55 Checking	Rewards Checking
Minimum opening deposit	$25	$25	$25	$25
Monthly service fee if below minimum balance	—	—	—	$10
Minimum balance to avoid monthly fee	—	—	—	$1,000
Earns dividends [interest] (see current rates)	—	—
Eligible for high-yield eSavings account*		—	—
Free withdrawals at thousands of non-Heartland ATMs (combined checking and savings)	10 per month	5 per month	5 per month	10 per month
Unlimited withdrawals at Heartland ATMs
FREE “Heartland” style checks (1 box per year)	—	—
Unlimited check writing	check-free account
Unlimited electronic debits and credits
Direct deposit available	required
FREE Visa Check Card with ATM access
FREE Online Banking with FREE Bill Pay
FREE eStatements	required
FREE online check images	check-free account
FREE money orders	—	—
FREE standard-size safe deposit box for 1 year (subject to availability)	—	—	—
Overdraft privilege pay (restrictions & fees may apply)
Overdraft protection from savings account
Overdraft protection line of credit (upon approval)
0.25% loan discount (with autopay from your Heartland checking account)
Visa® Gold Credit Card with Rewards (upon approval)
FREE consultation with CU Preferred Investments

*An eChecking account or Rewards Checking account packaged with eSavings requires a minimum of 10 debit transactions per month from the checking account to be considered “active;" otherwise, fees may apply. Please see Fee Schedule for details.