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 the third Economic Impact (Stimulus) Payment. 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 CARES Act set aside nearly $349 billion in the form of a loan program called the Paycheck Protection Program (PPP) which commenced on April 3, 2020. Upon exhaustion of the $349 billion, Congress appropriated an additional $310 billion in PPP funds through the Paycheck Protection Program and Health Care Enhancement Act. This program was available to small businesses 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.

On December 27, 2020, President Trump signed the Economic Aid to Hard-Hit Small Businesses, Nonprofits, and Venues Act (the Economic Aid Act) which provided continued assistance to individuals and businesses that have been financially impacted by the ongoing coronavirus pandemic. This legislation provided a new round of funding to re-open the Paycheck Protection Program for new First Draw PPP loans as well as new Second Draw PPP loans for borrowers who exhausted their First Draw funds received during the initial PPP rounds ending August of 2020.

After more than a year of operation and serving more than eight million small businesses, funding for the Paycheck Protection Program has been exhausted. Heartland Bank is no longer able to accept applications for new PPP loans. We will continue working with existing PPP borrowers as they transition their focus to PPP Forgiveness applications.

We are receiving new information frequently from the Small Business Administration (SBA), and the bank has established a dedicated PPP task force. Because of the specialized nature of this program, our branch staff and Customer Care Center Representatives are unable to answer questions related to PPP. If you have an existing relationship with a commercial lender, please contact them directly as they are ready to assist.

We're Here For You!

Our Customer Care Representatives are ready to assist you Monday - Friday 7:00 a.m. - 9:00 p.m.; Saturday 8:00 a.m. - 5:00 p.m.; and Sunday 12:00 p.m. - 5:00 p.m. Give us a call at 888-897-2276.