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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
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Text or Call 800.362.3944

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Fees & Information

Fee and other important information regarding Heartland’s reloadable VISA Debit Card.

  • Card Issue $7.95
  • ATM fee of 1.50 deducted from balance for each ATM withdrawal
  • Maintenance fee of 1.75 deducted from balance each month and will occur until card expiration or when the available balance is zero.
  • Funding Fee of $.50 each time funds are added to card, $.50 will be deducted from balance.
  • If you fail to use card for ninety (90) consecutive days, card will be assessed a monthly fee of $3. Beginning in fourth (4th) month, fee will occur monthly until activity resumes on the account, including funding or card expiration.
  • If transaction is declined, either at an ATM or a merchant, a $.50 fee will be deducted from balance.
  • Closed, Lost or Stolen Card Replacement fee: To close or replace a lost or stolen card, $5 will be deducted from balance. A $35 fee will be deducted for next day delivery of a replacement card.
  •  A $15 fee will be deducted from balance if you request to close and remove all funds from card.
  • A $3.50 reissue fee will be deducted from your balance to issue a new card upon card expiration. A new card will be issued provided the previously issued card did not have a negative balance and was not reported as closed or stolen.
  • Your card will be assessed a $.50 fee per telephone call to that automated voice response system after 4 calls per month. Your card will be assessed a $5 fee per telephone call to live customer service after 2 free calls per month.
  • A $.50 fee will deducted from balance for each overdraft.

 

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