Exciting changes to your digital banking experience are coming soon! Click here for more information.

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 Online Banking and Bill Pay
FREE Mobile Banking
FREE ATM useꭞꭞ
FREE eStatements
FREE Funds Tracker personal finance tool

*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.