eChecking is a checking account without the paper. You can do everything – make purchases with your MasterCard® Debit card and get cash at over 62,000 surcharge free ATMs, pay bills electronically through Free Online Bill Pay and we’ll even deliver your statement electronically. Open with as little as $25.
- No monthly fees
- No balance requirements
- No deposit requirements
- MasterCard Debit Card – No fee debit card. Use it for purchases or to access your money at over 62,000 surcharge-free ATMs. Choose from 2 designs.
- Free Online Banking with Bill Pay
- Free Mobile Banking
- Free eStatements (estatements required)
- 10 Free ATM withdrawals per month at non-Heartland ATMs
- Free Overdraft Protection from your Savings Account
- Overdraft Privilege Pay (restrictions apply)
- 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