overdraft protection Services

Heartland Bank offers 3 Overdraft Protection Services to help you prevent returned checks and overdrafts on your checking account.

1) Extended Overdraft Privilege - We may authorize, at our discretion, payment of checks, automatic bill payments, ATM, everday debit card purchases and other transactions using your checking account ,when sufficient funds are not available. A $35 overdraft fee will charged each time we authorize the payment of a transaction.

To opt-in to Extended Overdraft Privilege for ATM and everyday debit card transactions, please take one of the following steps:

• Click here for the Extended Overdraft Protection Opt-In Form
• Click here to log in to Online Banking. Go to "Secure Forms" to access the Online Opt-In Form.
   
• Call the Telephone Banking Center at 1-866-512-8501.
• Call the 24 Hour Account Line at 1-888-512-8989, option 7.

2) Overdraft Transfer Protection - Funds are automatically transferred from a Heartland savings, money market or additional checking account , if sufficient funds are not available. A $7 overdraft transfer fee is charged each time we complete a transfer.
To open an Overdraft Transfer Protection account, speak with a local branch representative or call the Telephone Banking Center at 1-866-512-8501.

3) Overdraft Line of Credit - Funds are automatically transferred from an approved line of credit to your checking account, if the account is overdrawn. To apply for an Overdraft Line of Credit, speak with a local branch representative, call the Telephone Banking Center at 1-866-512-8501 or Apply Online.



Consumer Accounts Overdraft Privilege Service Policy