Custom Debit Card FAQs

Eligibility

You need to be a customer of Heartland Bank and Trust Company with a Heartland Bank and Trust Company debit card, and your checking account must be in good standing.

Design Options

You can customize the design of your debit card in a variety of ways:

  1. Upload an image: Make your card one-of-a-kind by uploading your own image. The image will cover the entire card background. A design fee of $10 will apply.

  2. Choose one of our “Spirit” designs to support your local school: You can purchase an existing design of one of our participating schools for $10 design fee, and we’ll donate $5 back to the school. The school designs cannot be altered.

Image Approval

Every submitted image is reviewed for compliance with our Image Guidelines. Heartland Bank and Trust Company reserves the right to reject any image we believe violates our Image Guidelines. If an image is rejected, you will be notified by email within two business days. You may submit a new image any time following your rejection notification.

Design Fees

The design fee to produce a card with a Custom Debit Card is $10. This fee will be deducted from your checking account the day the card is ordered. Additional fees for rush orders may apply. Contact your banker for details.

Card Distribution

Your card will be mailed within 7-10 business days after your custom photo has been submitted and approved by Heartland Bank and Trust Company.

Card Activation

Activate your new card immediately. If you are ordering a Custom or Spirit Debit Card to replace your standard Heartland Bank Debit Card, the expiration date and number on your card will change. Please inform any merchants with whom you have set up recurring payments of the new card number and expiration date to ensure that your payments continue without interruption.

Card Expiration

Upon card expiration, a new card will be issued. You will be notified in advance of your design options and applicable design fees.

Lost or Stolen Card

If your debit card is lost or stolen during normal business hours, please contact your local Heartland Bank branch immediately. For 24-hour assistance, seven days a week, call 1-800-554-8969. Out of the Country call 614-564-5101.
 

What is a Custom Debit Card?

It’s just like a normal Debit Card, except you get to choose the photo or image that appears on the card. Of course, there are image guidelines, but as long as your image complies with those basic rules, you can create a debit card that’s unique to you.

What if I’m not a Heartland Bank customer?

You will need a Heartland Bank checking account with a debit card in order to create a Custom Debit Card.  If you would like to apply for a Heartland Bank checking account, please visit your local branch.

How do I customize the design of my card?

Card personalization is easy with our online card design lab. Just follow these simple instructions:
1.  Go to our Custom Debit Card page.
2.  Select the type of card you would like to customize.
3.  Click on “Upload Your Image” or select an image from our “Spirit Galleries.”
4.  Upload the photo you would like on your debit card from your computer. You can upload multiple photos to experiment and decide which one you like best.
5.  Customize the look of your card by rotating, resizing, and moving the photo.
6.  Once you are satisfied with the look of your card, click on “Next.”
7.  You will be asked to input your information and have a final look at your card.
8.  Click on “Submit.”
9.  You’re done! You will only receive an email if your image was rejected.

Do I need any special equipment to order the card?

You just need a computer with access to the Internet and Adobe Flash installed.

Can I preview or store my uploaded images online?

You will only be able to preview your uploaded image(s) during the personalized design process. Once you close out of the design program, the images you uploaded are not stored. Therefore, it is important for you to complete the card design process before closing out, as each time you open the program you will have to start the process over from the beginning.

After 15 minutes of idleness, your design session will time-out, and you will receive a “Session Expired” notice. If you see this notice before you submit your design and receive a confirmation, you will need to restart the design process.

Once your image has been approved, Heartland Bank and Trust Company will keep the image on file for five years. If you choose to remove your personalization or select a new design, your original image will no longer be available.

How will I know if my image is accepted or rejected?

Every submitted image is reviewed and must follow our Image Guidelines. You will only receive an email if your image was rejected.

What if the image I submitted isn’t accepted?

We’ll notify you by email if there’s a problem with your image, and you’ll have the opportunity to submit another photo.  In most cases, it may be as simple as selecting an image that isn’t trademarked or under copyright. You will not be charged the $10 design cost until your photo is accepted. The service may be revoked from any person who continually submits images that violate our Image Guidelines.

How will I receive my customized debit card?

Your card will be mailed within 7-10 business days once it has been approved and be mailed to the address for your account.

What should I do once I have received my new debit card?

Activate your new card immediately. The expiration date and number on your card has changed. Please inform any merchants with whom you have setup recurring payments of the new expiration date and/or number to ensure that your payments continue without interruption.

Does personalizing my debit card change my card number?

Yes, with a Custom Debit Card order your card number will change.

Does personalizing my debit card change my PIN?

No, your Heartland Bank and Trust Company debit card PIN will not change. If you would like to change the PIN, you can do so at your local Heartland Bank.

How many times can I change the image on my debit card?

You can change the image on your card as often as you would like. Design costs and replacement card fees may apply. See your local Heartland Bank and Trust Company for details.

Can my joint account holders design their own debit cards, too?

Sure! Every card associated with the account can be customized by the individual cardholder for an optional cost of $10 per card.  See your local Heartland Bank and Trust Company office for details.

What size and format does the Custom Debit Card image need to be in?

The image needs to be in jpeg, gif or png format and at least 840 x 840 pixels. To ensure your card looks good, choose a clear, sharply-focused image, taken at a high resolution (at least 300dpi).

Where does the image need to be stored?

Your image needs to be stored somewhere on your computer’s hard drive where it can be uploaded to our design lab.

What if I can’t upload the photo electronically, can I send a hard copy?

No, Custom Debit Card designs can only be created through submission online.