Personal Checking Accounts

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Compare Heartland Bank’s Checking Accounts to Find the Best Fit for You

Your personal checking account is just that: personal. At Heartland Bank, we believe your checking account should fit your needs, not be a one-size-fits-all solution. That’s why we offer a variety of checking accounts for personal use such as Classic Checking, Checking Plus, Elite Checking, Campus Checking and No Fee Student Checking.

Each personal checking account at Heartland Bank has various features to help you manage your money easier. Compare our checking accounts below to find the right account for your life.

Checking Account Comparison
 
  Classic Checking Checking Plus Elite Checking Campus Checking No Fee Student Checking
Enjoy these benefits:
  • FREE Online Banking
  • FREE Mobile Banking
  • FREE e-Statements
  • FREE Bill Pay
  • FREE ID Theft Resolution
  • FREE Acount Alerts
  • FREE Access to over 3000 ATM machines
  • FREE Debit Card*
  • FREE Check Safekeeping
  • All the benefits of Classic Checking
  • FREE Check Imaging
  • All the benefits of Classic Checking
    and
  • Earns interest
  • FREE Check Imaging
  • FREE Safety Deposit Box (1)
  • One FREE box of Heartland Bank checks per year
  • For students between the ages of 19 - 24
  • All the benefits of Classic Checking plus:
  • FREE Debit Card
  • FREE Check Imaging
  • Available to individuals between the ages of 12-18
  • $50 Amazon.com Gift Card at account opening 
  • Free Debit Card 
  • Free Mobile Banking App
  • Free Bill Pay
  • Free e-Statements
  • Free Online Banking 
  • Free Check Imaging
  • Free Account Alerts
Minimum to open: $1 $1 $1 $1 $1
Account features and balance requirements:
  • Enroll in our e-Statements receive monthly statements via online
  • Maintain a valid email address
  • Make at least 5 Debit Card transactions per statement cycle to avoid $1.95* fee
  • Additional fees may apply
  • With a minimum daily balance of $500 we will waive the $9.95 monthly service fee
  • Enroll in our e-Statements receive monthly statements via online
  • Maintain a valid email address
  • Make at least 5 Debit Card transactions per statement cycle to avoid $1.95* fee
  • Additional fees may apply
  • With minimum daily balance of $2,500 we will waive the $9.95 monthly service fee
  • Enroll in our e-Statements receive monthly statements via online
  • Maintain a valid email address
  • Make at least 5 Debit Card transactions per statement cycle to avoid $1.95* fee
  • Additional fees may apply
  • Enjoy a Campus Advantage Checking Free through the age of 24
  • Additional fees may apply
  • No Inactivity Fees
  • No Overdraft Fees
  • Deposit Checks With Your Phone 
  • No Balance Requirements Needed


(1) Safety Deposit Box is limited to small box size
* Plus Sales Tax

See how we make it easier to understand our products and how to avoid fees.
See a clear and Simple Fee Guide for more information:
 
We make it easier for you to understand our products and how to avoid fees.  For more information:

Open Your Checking Account at Heartland Bank Today

Fill out and complete our deposit account application. After you have finished it and printed it off, come by any Heartland Bank office to open your checking account today.

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