Make purchases and access your checking account

Debit cards from Mastercard are secure, convenient, and free with your Heartland Checking account!

Heartland Checking

Digital Banking Access

Manage your card balance, payments and view transactions anytime and anywhere using Heartland's digital banking.

Digital Wallet

Add this card to your digital wallet and use it to make contactless payments with your phone at your favorite merchants.

Zero ATM Fees

Heartland does not charge fees for out-of-network ATM transactions/inquiries. Please note that the ATM owner still may impose their own fees.

Card Controls via SecurLOCK™ Equip

Download the SecurLOCK Equip app to manage your cards and set up security features such as freezing lost or stolen cards to prevent fraudulent purchases and theft.

SecurLOCK Equip Card Controls

Instant Issue

You can instantly receive a replacement card at one of our branch locations if your card is lost or stolen.

Accepted Worldwide

Wherever you may travel, rest assured that you can successfully make the purchases you need.

Get your Heartland Debit Card today!

Simply ask for a debit card when opening your Heartland Checking account. Already have an account? Order a card anytime by contacting us or visit a branch to have one instantly issued.

Mastercard Phone Numbers

Lost or Stolen
Mastercard Debit/Credit Cards

(833) 933.1681 – inside the U.S.
(812) 647.9794 – outside the U.S.
Call “collect” — the risk department will accept the charges.

Activation and PIN

Card activation & PIN change
(833) 925.2932

Card PIN change – international
1 (859) 488-4132

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Rates

Mastercard Credit Card Rates

Mastercard

*APR is Annual Percentage Rate. Non-promotional current rates will be applied to all purchases and cash advances. This is a variable rate program. APRs are tied to the Prime Rate as published in the Wall Street Journal (8.50% as of July 26, 2023), plus or minus a margin, and could be as low as 13.50% or as high as 18.00%. Your actual rate is based on credit history. Payments shall be applied to the balance with the highest interest rate first.