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Business Checking

Heartland Bank offers three great business checking accounts to help your business get the most from your deposits.

Business Checking with Heartland Bank works with any size business, from those just starting out to established companies. When you find the perfect fit for your business, call us at 888-897-2276 or come by any one of our convenient locations and open your account today! Be sure to check out our full list of items you will need to get started.

Simply Business CheckingBusiness Checking with InterestCommercial Checking
Free chip-enabled Business Visa Debit Card
Free Digital Banking
Free ATM useꭞꭞ
Free eStatements
No minimum balance
No monthly service charge
Competitive interest^^
500 free monthly transactions*
Deposit up to $10,000 in coin and currency each month for free**
Earnings credit allowance
Cash back for debit cards and unused checks from another financial institution~
Minimum opening deposit$50$50$50

*Transaction items include all debits and credits. After 500 transactions is reached, there will be a $0.25 fee per transaction.

**Just $1.50 per $1,000 deposited over $10,000.

~Customers will receive $2 per debit card and $2 per book of checks. It will be given at the time the debit cards/checks are presented, up to $25.

^^See our checking rates for interest accrual information.

ꭞꭞHeartland Bank will not charge an ATM fee, but the non-Heartland Bank ATM owners may charge an access fee for using a non-Heartland Bank ATM.

Simply Business Checking

Perfect for small businesses just starting out or established businesses with a moderate number of banking transactions. It offers all of the ease and convenience you need in a checking account.

  • No minimum balance.
  • No monthly service fee.

Business Checking with Interest

A business checking account that pays! Designed for qualifying sole proprietors and not-for-profit organizations.

  • Keep a $2,500 minimum balance to avoid a low monthly fee of $8.
  • See rates page for interest accrual information.

Commercial Checking

Designed for businesses with higher transaction volumes and balance levels.

  • $12 monthly service fee.
  • $0.15 transaction fee.
  • Enjoy the benefit of an earnings credit to offset monthly account and service fees.

We request the following to assist in opening your account:

Sole Proprietor/DBA

  • Owner’s Social Security Number

Limited Liability Company (LLC)^^

  • TIN of LLC
  • Certificate of Good Standing
  • Articles of Organization
  • Operating Agreement


  • TIN of Partnership
  • AND Partnership Agreement or Certificate of Partnership

Not-For-Profit Organization^^

  • TIN of Organization
  • If incorporated, follow Corporation guidelines below
  • If tax-exempt, IRS documentation or Federal tax return
  • If not tax-exempt, authorization letter


  • TIN of Corporation
  • Certificate of Good Standing
  • Articles of Incorporation
  • Bylaws (if any)

For more information on the new reporting rules for beneficial ownership information, please read this informational brochure.

To learn more about Heartland Bank Business Checking, visit any of our convenient locations or give us a call at 888-897-2276.

^^These business entities also require a copy of unexpired government issued identification for any individual who owns, directly or indirectly, 25% or more of the business opening the account AND for one individual with significant responsibility for managing the business. Visit hbtbank.com/beneficial-ownership or see a Banker for more information.

We're Here For You!

Our Customer Care Representatives are ready to assist you Monday - Friday 8:00 a.m. - 6:00 p.m. and Saturday 8:00 a.m. - 1:00 p.m. Give us a call at 888-897-2276.