Opt In Protection

You want peace of mind, because things happen.

Federal Reserve regulations now require you to authorize, or opt in, to allow us to apply overdraft service* to everyday Debit 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.

To participate, fill out Heartland Bank's Opt In Form, complete the form below and present it at any Heartland Bank branch or mail it to:

Heartland Bank
PO Box 67
Bloomington, IL 61702-0067

Learn more about 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.