Heartland Bank
Business Banking

Checking Comparison Chart

Features & Benefits Small Business Checking Corporate Checking Business Interest Checking2 IOLTA Checking
Minimum to Open $100 $0 $0 $0
Earns Interest No No Yes Yes
Monthly Fee $0 $23 passed along through analysis $10 $0
Requirement to waive or reduce the monthly service charge Account allows up to 350 FREE items3, then .25ct per item over 350 Maintain a high enough average collected balance to offset your service charges after earnings credit None None
Real Time Banking Yes Yes Yes Yes
24-Hour Automated Telephone Banking Yes Yes Yes Yes
Online Banking FREE - View Only Module $10 passed along through analysis FREE - View Only Module FREE - View Only Module
Online Realtime Reporting Yes Yes Yes Yes
Business MasterCard® Debit Card Free Free Free Free
Check Orders FREE Business Starter Kit FREE Business Starter Kit FREE Business Starter Kit FREE Business Starter Kit
Overdraft Privilege1 $1,500 $1,500 $1,500 $1,500
Estatements Yes No Yes Yes
Security of FDIC Insurance coverage up to the maximum amount permitted by law Yes Yes Yes Yes

1See Overdraft Privilege disclosure for full detail.
2Business Interest Checking is available to non for profit organizations and sole proprietors.

3Items include checks paid, deposited items and ACH items

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