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Business Checking

Find a Checking Account

Whether your company is large or small, old or new, Mom and Pop or a team of ten, you’ll find the right checking account to manage and simplify your business finances at Heartland Bank

Economy Business Checking

A Low-cost account for smaller businesses with limited deposit and withdrawal activity.

  • Monthly minimum balance of $250 has a monthly maintenance fee of $1.00. Monthly Minimum balance falling below $250 has fee of $5.00.
  • $.50 per check over 10 checks per month
  • Deposited item charge- $.03 on-us/$.07 transit
  • Free business deposit tickets

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Basic Business Checking

An account to meet the basic bill-paying needs of a small business.

  • Monthly statement with checks
  • Free business deposit tickets
  • Monthly minimum balance of $1,500 waives the $5.00 monthly maintenance fee
  • $.25 per check over 10 checks per month
  • Deposited items charge- $.03 on-us/$.07 transit
  • Non-interest bearing

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Business Interest Checking

Great for businesses that want the benefit of earning interest.

  • Interest tiered to pay higher rates on higher balances. Monthly interest paid on daily balances of $500 or more.
  • Monthly statement with checks
  • Free business deposit tickets
  • Monthly minimum balance of $2,500 waives the $7.50 monthly maintenance fee
  • $.25 per check over 10 checks per month
  • Deposited items charge- $.03 on-us/$.07 transit

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Business Plus Checking

Designed for businesses with higher transaction volumes.

  • Monthly statement with checks
  • Free business deposit tickets
  • Monthly minimum balance of $1,500 to avoid separate monthly maintenance charge of $7.50
  • $.15 per check
  • Deposited item charge- $.03 on-us/$.07 transit
  • Market-based earnings credit for net investable balances
  • Earnings credit offsets activity fees

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Clubs or Oranizations

An ideal free account for clubs or organizations.

  • No minimum balance to open
  • No monthly service fee
  • No minimum daily balance
  • No deposit charges
  • Unlimited checks per month

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 Economy BusinessBasic BusinessBusiness InterestBusiness PLusClubs or Organizations
Minimum Balance to Open $50 $50 $50 $50 None
Monthly Service Fees $1
($5 fee if daily balance drops below $250)
No Fee
($5 fee if daily balance drops below $1,500)
No Fee
($7.50 fee if daily balance drops below $2,500)
No Fee
($7.50 fee if daily balance drops below $1,500)
No Fee
Minimum Daily Balance $250 $1,500 $2,500 $1,500 None
Deposit Charges $0.03 on us
$0.07 transit
$0.03 on us
$0.07 transit
$0.03 on us
$0.07 transit
$0.03 on us
$0.07 transit
No Charges
Checks Per Month $0.50 per check over 10 $0.25 per check over 10 $0.25 per check over 10 $0.15 per check Unlimited
Earned Interest No No Yes No No
Account Analysis No No No Yes No
Included in Every Business Account
Bank anytime & anywhere with Online Business Banker
Transfer money between your Heartland Bank accounts
Debit card for all your everyday purchases
Pay your bills online with our Online Bill Pay service
Free deposit tickets (with applicable shipping and handling)
Each depositor is insured to at least $250,000 by the FDIC
Merchant processing available to accept credit and debit card payments
Locked night drop bags to safely deposit your funds
Check images included with statements for check safekeeping
Wires available for same day money delivery

Switch To Heartland Bank In Four Easy Steps

If you are switching to Heartland Bank from another bank, use our SwitchKit to move your accounts over in four easy steps! 

Download Our SwitchKit