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Business Checking Accounts

Heartland Business Checking accounts are designed to help you meet your company’s financial needs while helping you effectively manage your cash flow. We offer two Business Checking Accounts.

Compare our Business Checking Accounts below.

Features Free Business Checking Business Checking
For you if: You have a home-based or small business with 200 or fewer transactions per month You have a larger business with a daily balance of $5,000 or more and higher transaction volume
Minimum opening deposit $25 $25
Minimum balance $0 $5,000 average daily balance of all business account deposits
Monthly service fee $0 $10 or WAIVED if average daily balance of all business accounts is $5,000
Earns Dividends No Yes
Checking Clearing Fee/Deposit Item Fee $0 for 0-200 items. $0.50 per item for 201 or more $0 for 0-200 items. $0 for 201 or more if $5,000 min. balance is met. $0.05 for 201 or more if $5,000 balance is not met
Unlimited electronic debits and credits Yes Yes
Free non-Heartland ATM Withdrawals per month 5 10
Free Statements (Paper or eStatments) Yes Yes
Free Online Banking Yes Yes
Free Overdraft Protection from Savings Account Yes Yes
Loan Discount+ (when payments are made automatically from your Heartland checking account) Yes Yes
MasterCard Debit Card Yes Yes

+Excludes Mortgage, Credit Card, Ready Cash Plus Loans and Business Loans through CU Member Business