Skip to main content
Online Banking TEXT4 LOAN

Text or Call:


Text messaging and data rates may apply. Text STOP to opt out of these messages.

Open a new HELOC and transfer a current HELOC balance at an introductory rate of 1.99% APR for the first 6 months.* Some restrictions apply. Learn More
Apply Online
Loan Rates
Make a Payment

Text or Call 800.362.3944

Text messaging and data rates may apply. Text STOP to opt out of these messages.

Checking Accounts

Choose the account best for you!


Heartland Checking

A basic, no-frills checking account with no minimum balance and no monthly service fee.

Heartland’s checking accounts feature:

  • No monthly service fee
  • Free online banking, mobile banking, bill pay, eStatements, eAlerts, 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
  • Order checks online — it’s fast and easy!

Interest Rates Certified by Datatrac

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.

Join or Open an Account


MasterCard Debit Card

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.

Are you ready to change?

Join Heartland and grow with us.

Join Now
Leave this Website?

You are leaving the Heartland Credit Union website. The website you are linking to is not operated by Heartland Credit Union. We are not responsible for any content or information posted to this external website. Heartland Credit Union is not responsible for, nor do we represent you or the external website if you enter into any agreements.

Privacy and security policies may differ between our website and this external site.

Proceed Cancel
Online Banking Secure Login

If you have not set up your username, please enter your account number.

Share via
Copy link