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personal checking accounts

Heartland Bank offers a wide range of checking accounts to fit your lifestyle. All of our checking accounts come with convenient online and mobile banking tools, Gold Debit MasterCard with Purchase Rewards, unlimited check writing and more.   

  Heartland First
Step Checking
Heartland Checking Heartland Interest Checking Heartland Private Wealth Checking
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This Account is Right For You If... This is your first checking account, or you're looking to take your first step towards a positive financial future. You are looking for an everday checking account with the latest online and mobile banking tools. You want to earn a competitive interest rate and enjoy all the benefits of a Heartland Checking account. You would like proactive acount managment offered exclusively to our Private Wealth Group clients.
Minimum to Open $25 $50 $100 $100
Earns Interest        
Monthly Fee $5 $10
Waived with direct deposit or maintain $200 average monthly balance.
Waived for age 50+ or maintain $1,000 average monthly balance or $25,000 in combined deposits.
Waived with $100,000 in combined deposit or investment balances.
Online Banking with Bill Pay & FinanceWorks      
Mobile Banking & Alerts
24-Hour Account Line      
Gold Debit MasterCard® with Purchase Rewards

Access to MoneyPass ATMs

Paper Statements  $2.00 / month  $2.00 / month  $2.00 / month  $2.00 / month
Notary Service  
Checks Free first order of checks Free first order of checks Free first order of checks Free first order of checks, plus 1 box annually
Overdraft Protection Services Available  
Discounted Safe Deposit Box1        
Domestic Wires        Free incoming wires.
1 free outgoing wire per statement cycle

Subject to availability.



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