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!

To learn more about our Youth Checking Account click here.

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. See current rates	—	—
Unlimited withdrawals at Heartland ATMs
Free withdrawals at non-Heartland ATMs (combined checking and savings)	10 per month	5 per month	5 per month	10 per month
FREE “Heartland” style checks (1 box per year)	—	—
Unlimited check writing	check-free account
Unlimited electronic debits and credits
Direct deposit available	required
MasterCard Debit Card with ATM access - Choose from 4 designs including a Photocard for extra security
FREE Online Banking and Bill Pay
FREE eStatements	required
FREE online check images	check-free account
FREE money orders	—	—
FREE standard-size (3X10) safe deposit box for 1 year (subject to availability)	—	—	—
FREE Overdraft protection from savings account
Overdraft privilege pay (restrictions & fees may apply)
Overdraft protection line of credit (upon approval)
0.25% loan discount (when loan payments are made with autopay from your Heartland checking account)

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