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  Multifactor Authentication

In order to make your online experience with Heartland as secure as possible, Heartland employs Mutifactor Authentication a new security system which uses a personalized Security Key, Random Code and Security Questions to protect your accounts.

Multifactor Authentication adds a layer of protection to your online accounts by letting you know you're at our real website, and letting us know that it's really you trying to login to your accounts.

When you register for Multifactor Authentication, you'll be required to create a Security Key, select personal Security Questions and to provide answers to those questions. Afterwards, when you login to Online Banking, you'll only enter your account number (member number) and random code on the first page. Then, when you see the Security Key you selected on the second page, you can feel confident that you're on our real website and it's safe to enter your access code. (It's important to make sure you never enter your access code without first seeing your Security Key.)

If our system does not recognize the computer you're using when you login, we'll ask you to verify your identity by answering a Security Question. You can choose to have the system remember your computer so you won't have to answer your Security Question in the future. Do not save your information on public computers in such places as hotel lobbies, Internet cafes, libraries, etc. Please read the FAQs for more information. A video demo is also available, as well as step-by-step instructions. Please contact us if you have further questions.


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