A while back, Heartland implemented the ability to put “code words” on your account. That means you can expect that you will be asked for your code word prior to anyone accessing your account — especially when you call into the credit union. When you call, the only way we can confirm it’s indeed you and not someone impersonating you is to ask a code word and maybe a couple “out of wallet” questions. Out of wallet means something that’s easily remembered by the user but obscure to most others and difficult to figure out.
So, the next time you’re visiting Heartland, have a code word ready and supply it to when asked. It’s an extra layer of security for your accounts here at Heartland.
PS: If you’re still using your member number for your desktop/mobile banking username — you should really change it to something else. You can do that via desktop banking. Login and then go to “Info Center” and “Username.”