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Debit and ATM Card

Chip Debit Card

Gain instant access to your Heartland accounts with a Heartland MasterCard® Chip Debit Card. Use it for purchases anywhere you see the MasterCard logo and the money will automatically be deducted from your Heartland Checking account – no more writing checks*. Plus, Heartland debit cards feature EMV chip technology protecting you from fraud with an extra layer of security. Click here to learn more about Chip Technology.

Plus, you can opt-in your debit card for the Privilege Pay Program. Once you qualify for Privilege Pay and opt-in your debit card we’ll clear your debit card transactions even if you don’t have the funds available in your account. Click here to learn more about this option.

You can also use your Debit Card to withdraw cash from our network of over 50,000 surcharge-free ATMs.

You Get:

  • Choose from 3 card designs.
  • Extra layer of security with an embedded chip
  • Convenient purchasing power anywhere you see the MasterCard® logo – in person or online
  • Access to cash at over 50,000 surcharge-free ATMs
  • Dedicated fraud specialists to protect you against fraudulent use of your card
  • MasterCard SecureCode® – Secure Online Shopping with MasterCard®. Register your debit card today for secure online shopping.
  • Set alerts on your Debit Card to notify you of certain types of transactions to help you identify possible fraud quickly. Simply log into Heartland Online Banking to enroll.

Get Cash When You Check Out

Did you know you can get cash when you check out at participating merchants with your debit card? Simply select “Debit” and enter your PIN. There’s no fee and no restrictions on the number of times you do it. Save yourself a trip to the ATM and get cash back where you shop.

ATM Card

For members without a Heartland Checking Account we have an ATM card for easy access to your cash at over 50,000 surcharge-free ATMs. Simply choose from the same available Debit Card designs.

Open a Heartland Debit or ATM Card Today
Call: (651) 451-5160 or (800) 813-9185
Visit: Visit a Heartland Branch

+Must qualify for Privilege Pay.
*Members with a debit card linked only to a Heartland Savings account are allowed three debit transactions per month to comply with Reg. D. See a Heartland Member Service Representative for restrictions and applicable fees.