Personal Checking Account
Explore our checking account options to discover which one is right for you!
Every new personal checking account includes*:
- FREE Heartland Bank Visa® Debit Card
- FREE Digital Banking with Bill Pay
- FREE eStatements
- FREE Financial Wellness Tools
- $15 eGift at account opening**
- Up to $25 for your check cards and unused checks from another bank^
Which Account is Right for Me?
Answer three simple questions to get a customized suggestion, or view a comparison of all accounts below.
| Freedom Checking | VIP Free Interest Checking | 50+ Free Interest Checking | Capital Interest Checking | |
|---|---|---|---|---|
| Minimum opening deposit* | $50 | $50 | $50 | $50 |
| Minimum balance | None | None | None | $1,000 |
| Monthly service charge | None^^ | None | None | Noneꭞ |
| 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:
- Open a new checking account
- Close your existing checking account
- Change your direct deposit(s)
- Change your automatic payment(s)
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.