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 VISA 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!

Get a Debit Card

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 $5000 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!

Visa 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 inactive fee applies. See fee schedule in Master Account Disclosure.