Custom Debit Card FAQs

What is a Custom Debit Card?

A Custom Debit Card is a debit card made unique to you when you choose a photo image or a school Spirit image for the face of your debit card rather than our standard Heartland Bank image. 

Is there a fee for a Custom Debit Card?

The design fee to produce a Custom Debit Card is $10. This fee will be deducted from your checking account the day the card is ordered. Additional fees for rush orders may apply. Contact your banker for details.

When you choose a Spirit design to support a participating local school, we’ll donate $5 back to the school!  

Can I order a Spirit Debit Card if I’m not a customer of Heartland Bank?

No. You will need a Heartland Bank checking account Debit Card.  If you would like to apply for a Heartland Bank checking account, you can apply online or visit the Heartland Bank office nearest you.

How do I customize the design of my card?

Card personalization is easy with our online card design lab. Just follow the simple instructions on our Custom Debit Card page.

Do I need any special equipment to order the card?

You just need a computer with access to the Internet and Adobe Flash installed.

What size and format does the Custom Debit Card image need to be in?

The image needs to be in jpeg, gif or png format and at least 840 x 840 pixels. To ensure your card looks good, choose a clear, sharply-focused image, taken at a high resolution (at least 300dpi).

Where does the image need to be stored?

Your image needs to be stored somewhere on your computer’s hard drive where it can be uploaded to our design lab.

What if I can’t upload the photo electronically, can I send a hard copy?

No, Custom Debit Card designs can only be created through submission online.

Can I preview or store my uploaded images online?

You will  be able to preview your uploaded image(s) during the personalized design process. Once you close out of the design program, the images you uploaded are not stored. Therefore, it is important for you to complete the card design process before closing out.

Once your image has been approved, we will keep the image on file for five years. If you choose to select a new design, your original image will no longer be available.

How will I know if my image is accepted or declined?

Every submitted image is reviewed for adherence to our Image Guidelines. You will only receive an email if your image was declined; in that case, you’ll have the opportunity to submit another photo.

When will I receive my customized debit card?

Your card will be mailed within to the address for you account 7-10 business days from image approval.

Does personalizing my debit card change my card number?

Yes, with a Custom Debit Card order your card number will change.

Does personalizing my debit card change my PIN?

Yes, a Custom Debit Card will come with a new PIN.

Do I need to activate my new debit card?

Yes, please activate your new card immediately upon receipt for your protection. Note, the expiration date and number on your card will be different if this is a replacement card. Please inform any merchants with whom you have setup recurring payments of the new expiration date and number to ensure that your payments continue without interruption.

How many times can I change the image on my debit card?

You can change the image on your card as often as you would like. Design costs and replacement card fees may apply. 

Can my joint account holders design their own debit cards, too?

Sure! Every card associated with the account can be customized by the individual cardholder for a design fee of $10 per card.