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Heartland Checking

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.

Overdraft protection options

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.”

Open a checking account

I am very satisfied with my experiences with Heartland, so much so that my wife and I are going to open another savings and checking account with you.

— Dirk O., Rio, Member Since 2017

How it works

In three simple steps you can open a checking account that makes managing your funds affordable and easy.

  • 1

    Apply online

    In a matter of minutes, you can complete our online application to qualify for an account.

  • 2

    Open your account

    Once we approve your request, you can make an initial deposit, order checks, and obtain a debit card.

  • 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.

You may also be interested in

Digital Banking

Whether you are at home, the office, or anywhere else, you can sign into digital banking and view transactions, transfer funds, manage loans, and more.

Bill Pay

With Heartland's Bill Pay in digital banking, you can view your outstanding invoices, set up payment schedules, and much more.

Financial Fitness Coach

Whether you need some assistance creating a budget or you want to boost your credit score, Heartland Credit Union has professional financial fitness coaches to help you.