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eChecking

Great for the Internet user, Heartland's eChecking account is a paperless, or "check-free" checking account with benefits!

How it works

To enjoy:

• No monthly fees

• No minimum balance

• Unlimited electronic debits & credits

• A HIGH-YIELD eSavings account

You need to maintain an “active” eChecking account by:

• Using Direct Deposit

• Making at least ten debits per month

Direct deposit must amount to a minimum of $500 or 50% of your monthly paycheck.

Debit transactions can be made via Online Banking, Bill Pay, Visa Check Card, ATM or preauthorized payments to a third party; i.e., your cable or satellite company, Internet provider, insurance company, etc.).

If an eChecking account packaged with eSavings becomes “inactive,” a monthly fee of $25 will apply.

What you get

Convenience:

• FREE Visa Check Card

• FREE Online Banking with Bill Pay

• FREE eStatements

• Up to 10 FREE ATM withdrawals per month at non-Heartland ATMs

• Unlimited FREE withdrawals at
  Heartland ATMs

• FREE CUTELE transfers

• Overdraft Privilege Pay (restrictions apply)

• Overdraft protection from savings included

• Overdraft protection line of credit available

• Direct Deposit available

• Visa Gold Credit Card with Rewards
  (upon approval)

Security:

• Online fraud protection

• Security eLerts

• Photo Visa Check Card available

Loan discounts:

• Get 0.25% off our already-great loan rates when you make your monthly payments with autopay from your eChecking account!

Did you know?
If you have a Heartland eChecking account, you’re eligible to open a HIGH-YIELD eSavings account.