Heartland's checking accounts feature:

  • No monthly service fee*
  • Free online banking, mobile banking, bill pay**, eStatements, eNotices, mobile check deposit and cleared-check viewing
  • Free 24/7 account access via MARS, our telephone teller
  • A MasterCard Debit Card to make using your money easier  
  • Direct deposit and automatic withdrawals
  • Easy Checking Account Switch Kit — This online tool helps you fill out the necessary information to switch to Heartland Credit Union
  • Order checks online — it's fast and easy!

Choose the account best for you!

  • Heartland Checking  A basic, no-frills checking account with no minimum balance and no monthly service fee.
  • Dividend Checking  Make your checking account work for you. $1500 minimum balance to open, $1500 minimum to earn dividends. $7.95 per mo service fee. Maintain a minimum balance of $1500 and the per month service fee is waived. 
  • Business/Organization Checking  Our business checking account is an economical way to manage your business' finances. There's no monthly service fee and other fees are waived when you have a Heartland Member Business Loan with a month-end balance.
    1. No Monthly Fee
    2. Dividends paid on balances of $10,000 or more
    3. How many checks can I write? 15 free, then $.25 each. Fees waived if there's a combined savings/loan balance of $5,000 or more.
    4. NSF deposited -- $25 each
    5. NSF written -- $25 each
NOTE: All checking accounts require a minimum balance of $25 in a Regular Share Savings Account. 

Ready to open a checking account? Get started here!

MasterCard Debit Card Information:

*Dividend Checking monthly service fee is $7.95 -- fee is waived if you maintain a minimum $1500 balance. 
**No monthly service fee if used, otherwise a $4.95 inactive fee applies.

For more information on any fees and charges that may be assessed against your account(s), refer to the Fee Schedule.
For other important information concerning your account(s), please review our Truth In Savings Disclosure.