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Checking Accounts
 
Look at Heartland Bank financial services for your best value in checking. Heartland Bank is serious about the responsibiity to provide our customers with full, reliable banking services and places emphasis on value and community.

Quick Overview of Available Checking Accounts:
  • Free Checking - A basic checking account for the budget minded person.
  • Regular Checking - A checking account with no monthly fee when you maintain a low minimum balance.
  • Bonus+ Club Checking - Our club account designed to let you take control of your financial future.
  • Super Now Checking - A checking account that earns interest with a balance of $1,000.
  • Student Checking - An account designed for the student in mind.
  • Electronic Transfer - An account to receive social security benefits and other Federal payments electronically.
Refer to account disclosure for terms and conditions.
 
Free Checking
Minimum Opening Balance: $50.00
Monthly Service Fees: None
Interest: None
Check Return Option: Free Check Safekeeping
Features/Benefits:
  • Free unlimited SHAZAMchek purchases
  • Free unlimited ATM transactions
  • Direct Deposit
  • Free first year safe deposit box (limited to certain sizes)
Other Fees:
  • $12.00 annual charge for an ATM or SHAZAMchek Debit Card
 
Regular Checking
Minimum Opening Balance: $0.00
Monthly Service Fees: $5.00 a statement cycle if your account falls below $450
Interest: None
Check Return Option: Free Check Imaging
Features/Benefits:
  • SHAZAMchek Debit Card
  • Free unlimited SHAZAMchek purchases
  • Free unlimited ATM transactions
  • Direct Deposit
  • Free first year safe deposit box (limited to certain sizes)
Other Fees:
  • $0.20 per check or pre-authorized debit if your account falls below $450 any day of the statement cycle
  • $12.00 annual charge for an ATM or SHAZAMchek Debit Card
 
Bonus+ Club Checking
Minimum Opening Balance: $0.00
Monthly Membership Fees:   $8.50 + sales tax per statement cycle or
$10.50 + sales tax per statement cycle which includes optional additional insurance
Interest: Yes
Check Return Option: Free Check Imaging
Features/Benefits:
  • SHAZAMchek Debit Card or SHAZAMchek Photo Debit Card
  • Free unlimited SHAZAMchek purchases
  • Free unlimited ATM transactions
  • Direct Deposit
  • Free safe deposit box (limited to certain sizes)
  • 50% discount on larger safe deposit boxes
  • No charge for notary service, stop payment on checks
  • 24-hour accidental death and dismemberment insurance coverage
  • Discount Adventureland tickets
Other Fees:
  • $0.20 per check or pre-authorized debit exceeding 50 during a month
 
Super Now Checking
Minimum Opening Balance: $1,000.00
Monthly Service Fees: $5.00 a statement cycle if your account falls below $450
Interest: Yes
Check Return Option: Free Check Imaging
Features/Benefits:
  • SHAZAMchek Debit Card
  • Free unlimited SHAZAMchek purchases
  • Free unlimited ATM transactions
  • Direct Deposit
  • Free first year safe deposit box (limited to certain sizes)
Other Fees:
  • $0.20 per check or pre-authorized debit if your account falls below $450 any day of the statement cycle
  • $12.00 annual charge for an ATM or SHAZAMchek Debit Card
 
Student Checking
Minimum Opening Balance: $0.00
Monthly Service Fees: None
Interest: None
Check Return Option: Free Check Imaging
Features/Benefits:
  • Free unlimited SHAZAMchek purchases
  • Free unlimited ATM transactions
  • Direct Deposit
Other Fees:
  • $12.00 annual charge for an ATM or SHAZAMchek debit card
 
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