Checking
Everyone has a different purpose in mind when looking for a personal checking account. In today's world, checking accounts are not just a convenience. Whether you write only a few checks per month or withdraw funds on a daily basis, you still require immediate, hassle-free access to your money. Heartland Bank can help you select the right account that fits with the way you manage your money from one of our many choices in checking. We are serious about the responsibility we have to provide our customers with full, reliable checking services and place emphasis on value and our community.
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 young student in mind.
Campus Advantage Checking - A special checking account for 12-23 year olds. A checking account you can take with you to college or when you move away from home.
| Free Checking |
Regular Checking |
Bonus+ Club Checking |
Super Now Checking |
Student Checking |
Campus Advantage Checking | |
| Minimum Opening Balance |
$50.00 | $50.00 | $50.00 | $1,000.00 | $0.00 | $50.00 |
| Monthly Service Fee |
None | $6.00 + sales tax per statement cycle if your account falls below $450.00 | $8.50 + sales tax per statement cycle | $6.00 + sales tax per statement cycle if your account falls below $450.00 | None | None |
| Interest | None | None | Yes | Yes | None | None |
Check Return Option |
Free Check Safekeeping |
Free Check Imaging | Free Check Imaging | Free Check Imaging | Free Check Imaging | Free Check Imaging |
| Features and Benefits |
• SHAZAMchek Debit Card • SHAZAMchek Photo Debit Card • Free unlimited SHAZAMchek purchases • Free unlimited ATM transactions • Direct Deposit • Free first year safe deposit box (limited to certain sizes) |
• SHAZAMchek Debit Card • SHAZAMchek Photo Debit Card • Free unlimited SHAZAMchek purchases • Free unlimited ATM transactions • Direct Deposit • Free first year safe deposit box (limited to certain sizes) |
• SHAZAMchek Debit Card • SHAZAMchek Photo Debit Card • Free unlimited SHAZAMchek purchases • Free unlimited ATM transactions • Direct Deposit • Free first year safe deposit box (limited to certain sizes) And 50% off thereafter • 50% discount on largest safe deposit boxes • No charge stop payment on checks • 24-hour accidental death and dismemberment insurance coverage • Discount Adventureland tickets |
• SHAZAMchek Debit Card • SHAZAMchek Photo Debit Card • Free unlimited SHAZAMchek purchases • Free unlimited ATM transactions • Direct Deposit • Free first year safe deposit box (limited to certain sizes) |
• SHAZAMchek Photo Debit Card • Free unlimited SHAZAMchek purchases • Free unlimited ATM transactions • Direct Deposit |
• SHAZAMchek Debit Card • SHAZAMchek Photo Debit Card • Free unlimited SHAZAMchek purchases • Free unlimited ATM transactions • Direct Deposit |
Other Fee |
Shazamchek debit and Shazamchek Photo debit cards Monthly service charge of $1.50 + sales tax | $0.25 per check or pre-authorized debit if your account falls below $450 any day of the statement cycle Shazamchek debit and Shazamchek Photo debit cards Monthly service charge of $1.50 + sales tax |
$0.25 per check or pre-authorized debit exceeding 50 during a month | $0.25 per check or pre-authorized debit if your account falls below $450.00 any day of the statement cycle Shazamchek debit and Shazamchek Photo debit cards Monthly service charge of $1.50 + sales tax |
Shazamchek debit and Shazamchek Photo debit cards Monthly service charge of $1.50 + sales tax | None |





