Personal Checking

Heartland personal checking accounts provide options and flexibility to meet your lifestyle and financial needs, allowing you to manage your money efficiently and economically. We’re certain to offer an account to meet your needs and exceed your expectations.

Compare our Checking Accounts below.

Features Free Checking Free 55 Checking eChecking Rewards Checking
For you if: You want basic checking You are 55 and over You want everything electronic You keep a larger balance and want extra perks
Minimum opening deposit $25 $25 $25 $25
Monthly service fee $0 $0 $0 $10 or WAIVED if $1,000 min. balance
Earns Dividends No Yes No Yes
Free non-Heartland ATM Withdrawals per month 5 5 10 10
Free “Heartland” style checks (1 box per year) No Yes No Yes
Free Statements (Paper or eStatements) Yes Yes eStatements required Yes
Free Online Banking With Bill Pay Yes Yes Yes Yes
Free Mobile Banking Yes Yes Yes Yes
Free Overdraft Protection from Savings Account Yes Yes Yes Yes
Loan Discount* (when payments are made automatically from your Heartland checking account) Yes Yes Yes Yes
MasterCard Debit Card Yes Yes Yes Yes
Free Money Orders No Yes No Yes
Free Standard Size (3X10) safe deposit box for 1 year No No No Yes
Free Official Checks No Yes No Yes

*Excludes Mortgage, Credit Card and Ready Cash Plus Loans