Financial Hardship Due to COVID-19

As the world begins to find its new normal, read these tips for handling the financial impact of COVID-19.


Heartland Bank remains committed to our customers in this trying time. Find information about specific account types below, or call our Customer Care Center toll-free at 888-897-2276 to be connected with a representative.

Stimulus Checks

The Internal Revenue Service (IRS) has published detailed information on Economic Impact Payments. Click here to learn what you need to know.

Checking Accounts

For questions about your accounts, including fees, contact your local branch.


If you're experiencing financial hardship due to COVID-19, you may be eligible for payment deferments. To speak to a specialist and learn about your options, call us toll-free at 888-897-2276.

Credit Cards

See your statement for an important message. Please call 888-897-2276 with any questions.


The Coronavirus Aid, Relief, and Economic Security (CARES) Act includes several provisions that make temporary changes to the federal laws governing IRAs and workplace retirement plans in an effort to provide greater flexibility to those struggling financially due to this pandemic. See the PDFs linked below for further information.

Overview | FAQ


Heartland Bank remains committed to the communities in which we work and live. In these unprecedented times we know now more than ever that we must continue to serve our clients who rely on us as a trusted partner and resource.

Small Businesses

Small Business Association (SBA) Low-Interest Loans

The Small Business Association (SBA) has announced that small business owners in all U.S. states and territories are currently eligible to apply for a low-interest loan due to COVID-19. For more information, visit

Paycheck Protection Program (PPP)

The SBA set aside nearly $350 billion in the form of a loan program called the Paycheck Protection Program (PPP). This program was available to businesses with 500 or fewer employees to support the continuation of payroll, while also allowing for expenditures such as healthcare costs, utilities, rent and interest on existing debt. To read more about the program, click here.

Heartland Bank participated in the Paycheck Protection Program. We are closely monitoring the guidance related to forgiveness and have established a forgiveness process based on the information released to date. However, given the following, we will not yet be accepting forgiveness applications:

  • Potential simplification of forgiveness
  • Expected release of additional guidance
  • All PPP loan payments are now deferred for up to 10 months after the end of a borrowers covered period

We appreciate your patience and look forward to supporting you as we enter the forgiveness phase of the Paycheck Protection Program. Due to the specialized nature of this program, our branch staff and Customer Care Representatives are unable to answer questions about the program. If you have any questions, please reach out to your local commercial lender.