Free Checking

Free Checking

You work hard for your money don’t lose it to fees. At Heartland our Free Checking is just that – FREE – no strings attached, no hassle. You’ll have access to over 50,000 surcharge-free ATMs, Free Online Banking with Bill Pay and more. Open with as little as $25.

You Get:

Free 55 Checking

This account is designed for members age 55 and over. This account earns interest with no minimum required balance, no monthly service charges, 5 free ATM withdrawals per month an non-Heartland ATMs and more. Open with as little as $25.

You Get:

  • No monthly fees
  • No balance requirements
  • No deposit requirements
  • Earns interest
  • One free box of “Heartland” style checks per year
  • Free Money Orders
  • Free Official Checks
  • 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 4 designs, including a photocard for added security
  • Free Online Banking with Bill Pay
  • Free Statements (paper or eStatements)
  • 5 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*

Open a Heartland Free Checking Today
Print: Print an application
Call: (651) 451-5160 or (800) 813-9185
Visit: Visit a Heartland Branch

*Excludes Mortgage, Credit Card and Ready Cash Plus Loans