Personal Checking Account

Explore our checking account options to discover which one is right for you!

Every new personal checking account includes*:

Which Account is Right for Me?

Answer three simple questions to get a customized suggestion, or view a comparison of all accounts below.

Freedom CheckingVIP Free Interest Checking50+ Free Interest CheckingCapital Interest Checking
Minimum opening deposit*$50$50$50$50
Minimum balanceNoneNoneNone$1,000
Monthly service chargeNone^^NoneNoneNoneꭞ
Competitive interest~
Cash back for old debit cards and unused checks^
Unlimited check writing
$15 eGift at account opening**
FREE Visa Debit Card
FREE Digital Banking with Bill Pay
FREE ATM useꭞꭞ
FREE eStatements
FREE Financial Wellness Tools

*Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Call us for details.

**See our rates for current Annual Percentage Yield (APY) information. Customers will receive an email containing a redemption key within 15 days of account opening.

^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.

^^Monthly service fee of $3 if customer decides to not receive eStatements

ꭞMonthly service charge of $8 if balance falls below $1,000

~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.

Make the Switch

We make it simple for you to switch your checking account to Heartland Bank. Follow these steps to make a seamless switch:

Simply fill out the forms above and take them to your local branch, or mail them to:

Heartland Bank and Trust Company
P.O. Box 67
Bloomington, IL 61702

To learn more about Heartland Bank Personal Checking, visit any of our convenient locations, or give us a call.

We're Here For You!

Our Customer Care Representatives are ready to assist you Monday - Friday 7:00 am - 7:00 pm; Saturday 8:00 am - 5:00 pm; and Sunday 12:00 pm - 5:00 pm Give us a call at 888-897-2276.