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Personal Checking

Find a Checking Account

There is no one-size-fits-all when it comes to checking accounts. Therefore, Heartland Bank offers checking accounts with a variety of features to help you find the one that best fits your needs.

Free Checking

Keep your checking account free and easy.

  • $25 minimum opening deposit
  • No minimum balance requirement
  • No monthly maintenance fee
  • Free online check images
  • Unlimited check writing

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Basic Checking

This economical checking account covers your basic needs and gives you several extras.

  • $50 minimum opening deposit
  • No monthly service charge with $300 average daily balance; $5 monthly service charge if average daily balance falls below $300
  • First box of single/wallet checks free with applicable shipping and handling or $5 off of specialty checks
  • Monthly statement includes your check images
  • Unlimited check writing

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Regular Checking

This economical checking account covers your basic needs and gives you several extras.

  • $50 minimum opening deposit
  • No minimum balance requirement
  • $6 monthly service charge
  • Free checks (150 pack wallet specialty mint) with applicable shipping and handling or $5 discount on specialty checks
  • Monthly statement includes your check images
  • Unlimited check writing
  • Free 4 ½ X 4 safe deposit box for one year (upon availability)

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Interest Checking

The higher your balance, the more interesting this account becomes!

  • $50 minimum opening deposit
  • No monthly service charge with $2,500 average daily balance; $5 monthly service charge if average daily balance falls below $2,500
  • Interest paid on daily balances of $500 and more
  • Interest tiered to pay higher rates on higher balances
  • Checks are available at standard rates
  • Monthly statement includes your check images
  • Unlimited check writing

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Ambassador Club Checking

This account, exclusively for customers age 55 or better, includes special travel perks, organized events and more.

  • $50 minimum opening deposit
  • No minimum balance required
  • Free with a checking or savings account balance over $1,500
  • Interest paid on entire account balance
  • Free personalized club checks or $5 off each order of specialty checks. Shipping and handling charges apply.
  • Monthly statement includes images of your check images
  • Unlimited check writing
  • Special travel offers, club events and activities
  • Free club newsletter
  • Ten free photocopies each month
  • Click here to learn more about the club.

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 FreeBasicRegularInterestAmbassador Club
Interest on balance No No No Tiered interest rate on daily balance of $500 and above Interest paid on entire account balance
Maintenance Fee No $5 if average balance falls below $300 $6 $5 if average daily balance falls below $2,500 No
Unlimited check writing Yes Yes Yes Yes Yes
Free Check Imaging No Yes Yes Yes Yes
Included in Every Personal Account
Free Online Banking
Free Mobile Banking
Free Mobile Deposit
Free e-Statements
Free e-Notices

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