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Agriculture Savings

Save for Your Future Today

Saving is important for your future. At Heartland Bank, our savings options provide the foundation and flexibility for all of your financial dreams and needs.

From commercial savings accounts to money market accounts, Heartland Bank has the right savings account for you. We’re here to listen to your goals and review the alternatives that best fit your life.

Select Savings

You just can’t select a simpler, easier to manage savings account that pays tiered interest.

  • Tiered Interest Paid on Entire Account Balance
  • No Monthly Maintenance Charge with $100 Average Daily Balance; $2 Monthly Maintenance Charge if Average Daily Balance Falls Below $100
  • Monthly Maintenance Fee WAIVED for Ages 21 and Under
  • Interest Compounded Monthly
  • Free On-line Banking

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Ambassador Club Savings

Another Club account exclusively for customers age 55 or better! Like Ambassador Club Checking, this account also includes the Club’s special travel perks, organized events and more.

  • Tiered Interest Paid on Entire Account Balance
  • Free with a Checking or Savings Account Balance Over $1,500
  • Interest Compounded Monthly
  • Free On-line Banking
  • Special Travel Offers, Club Events and Activities
  • Ten Free Photocopies Each Month
  • Plus MUCH More! Find out more

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Commercial Savings

This is a savings account that pays interest and provides businesses with easy access to their funds.

  • Tiered Interest Earned on Entire Account Balance
  • Interest Tiered to Pay Higher Rates on Higher Balances
  • Interest Compounded Monthly
  • No Monthly Maintenance Fee with $250 Average Daily Balance; $2 Monthly Maintenance Fee if Average Balance Falls Below $250

*Under Federal Regulation, transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per statement cycle.


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Health Savings Account (HSA)

A Health Savings Account (HSA) is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents. A HSA is established by you in much the same way that you establish an IRA.

Eligibility:

You are eligible to make an HSA contribution if you:

  • Are covered under a high-deductible health plan
  • Are not also covered by any other health plan
  • Are not enrolled in Medicare
  • Cannot be claimed as a dependent on another person's tax return.

Contributions:

If you qualify for a HSA, you, your employer, your family members, and any other person (including non-individuals) may contribute to your HSA. This is true whether you are self-employed or unemployed. The maximum annual contribution amount is generally 100% of the annual medical insurance deductible.*

Other benefits:

You are eligible to make an HSA contribution if you:

  • Contributions are deductible*
  • Contributions made by an employer may be excluded from employee's gross income.
  • Earnings grow tax deferred
  • Distributions for qualified medical expenses are tax free
  • "Portable" account stays with you if you change employer or leave the work force.
  • A "catch-up" contribution is available for individuals who are age 55+

Please contact a Personal Banker for assistance with any Health Savings Account related questions.

*Consult with your tax or legal professional for guidance.


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InvestorPlus Money Fund

This is a cash management account with daily access for the business wanting to maximize the use of funds. Contact a Personal Banker at Heartland Bank for more information.

  • No Monthly Maintenance Fee
  • Free InvestorPlus Checks
  • Higher Rate of Interest
  • Interest Tiered to Pay Higher Rates on Higher Balances
  • $10,000 Minimum Balance to Earn Interest
  • Interest Compounded Monthly
  • 3 Free Withdrawals/Checks per month. $5 per withdrawal/check over 3 per month.
  • Free On-line Banking

*Under Federal Regulation, transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per statement cycle.


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Savings OptionsKey FeaturesIdeal if You Want
Savings Accounts Easy to manage accounts that pay tiered interest Basic savings account benefits
Commercial Savings Tiered interest with easy access to funds. Low minimum balance
Health Savings Accounts (HSA) Save for out-of-pocket qualified medical expenses for you and your family A flexible savings plan for your medical expenses (when paired with a High Deductible Health Plan)
InvestorPlus Money Fund Interest rate based on balance tiers An alternative to CDs that keeps your cash available

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! 

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