Have you Opted In?
You want peace of mind because things happen.
Overdraft services can be crucial when it counts most! Like those times when emergencies or unexpected expenses come up right when your balance is lowest.
Federal Reserve rules now require you to authorize, or Opt In, to allow us to apply overdraft service* to everyday Check Card and ATM transactions on your personal checking account.
This means we must receive verification from you before we consider payment of your everyday debit card purchases or ATM withdrawals that may create an overdraft in your personal checking account. If you do not Opt In, whenever sufficient funds are not available in your account, all one-time debit and ATM transactions must be declined.
Click here for more information about the Federal Reserve rules
*Heartland Bank’s overdraft service is provided at our discretion to qualified accounts. There is no charge unless you use the service.
