- Low $25 minimum deposit opens your account
- Minimum average daily balance of $5,000 on all account deposits
- Monthly serice fee waived if minimum balance is met. Otherwise $10.
- Earns monthly dividends (interest)
- Unlimited free deposits and checks cleared each month if minimum balance of $5,000 is met. If minimum balance is not met the first 200 are free and after that $0.05 per item.
- Ten free ATM Withdrawals per month at non-Heartland owned ATMs
- MasterCard Debit Card – No fee debit card. Use it for purchases or to access your money at over 50,000 surcharge-free ATMs. Choose from 3 designs.
- Free Online Banking
- Free Statements (paper or eStatements)
- Free Overdraft Protection from your Savings Account
- Ready Cash Plus Loan (overdraft protection line of credit – approval required)
- 0.25% loan rate discount when payment is made automatically from your Heartland Checking+
*Excludes Mortgage, Credit Card and Ready Cash Plus Loans