Do more with no monthly fees or minimum balances
Daily account management is easier with a checking account that saves you money with no monthly fees, no account minimums and free digital banking.
No minimum balance
Never worry about maintaining a certain checking account balance in order to keep your account open.
No monthly fees
We do not charge a monthly fee to own, manage or use your checking account, making it easier to save money.
Manage online
Manage your checking account on your computer or mobile device with digital banking at no additional charge.
Mastercard debit card
Not only do you get a free Mastercard debit card when you open an account, but you can get a free replacement instantly-issued at one of our branches.
Debit Cards
Overdraft protection
You can set up another deposit account to cover your overdraft expenses to protect you from fees. Or apply for a Kwik Cash overdraft line of credit!
Direct deposit and automatic withdrawals
Have your paycheck deposited automatically and set up other deposits or withdrawals based on an automatic schedule that you choose.
Avoid overdraft fees
Sometimes you need to make a purchase that exceeds what you have in your checking account. With Heartland Checking, you can apply for a Kwik Cash line of credit or link another deposit account as a back-up to cover the purchase and protect you from NSF charges.”
The very helpful and friendly staff opened my no-cost checking. They explained all the steps involved in opening the account and navigating the mobile app.
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1
Apply online
In a matter of minutes, you can complete our online application to qualify for an account.
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2
Open your account
Once we approve your request, you can make an initial deposit, order checks, and obtain a debit card.
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3
Manage account online
Using your computer or mobile device, you can manage your account with digital banking.
Manage your money without the hassle of fees
With no minimum balance requirements, no monthly fees, and free digital management tools, experience the difference a Heartland Checking account can make for you.
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For other important information concerning your account(s), please review our Truth In Savings Disclosure.
All features
24/7 account access via MARS
With our telephone teller, MARS, you can conveniently access your account and manage it wherever you are.
No out-of-network ATM fees
Sometimes you need to use an ATM that is out of our network. Lucky for you, we don't charge a surcharge-to withdrawal from third-party ATMs.
View cleared checks
You can track your spending and account balance thanks to the ability to view checks you have written once they clear from your account.
Open a Checking Account
Are you a member?
Yes, I’m already a Heartland member
No, but I’d like to become a Heartland member
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