Custom Debit Card Terms and Conditions


The Heartland Bank and Trust Company Custom Personalized Debit Card program is subject to these Terms and Conditions. Additional general terms and conditions apply to your debit card as outlined in the Electronic Funds Transfer Disclosure and the Fee Schedule. The image submitted by you is herein referred to as the “Image.”

  1. You certify that you have read and understood the Image Guidelines and that the image you submitted to Heartland Bank and Trust Company complies with the Image Guidelines.
  2. Unless waived as part of a promotion or as part of your deposit account type, your Customized Debiting account linked to the card will be debited $10 when your image is approved. The $10 fee will apply to a new, replacement or reissued Customized Debit Card. 
  3. You warrant to Heartland Bank and Trust Company that: (i) you are the owner of the Image (i.e., the image was taken by you) or you have obtained express consent from the image’s owner to use the image on your Customized Debit Card; (ii) you have obtained express consent from any person whose image you use on your Customized Debit Card; and (iii) use of the image by Heartland Bank and Trust Company will not infringe any other person’s rights, including intellectual property rights, in the image.
  4. Heartland Bank and Trust Company may, in its discretion, require evidence of the image owner’s consent or of your ownership of the image.
  5. You (or you have obtained consent from the image’s owner) grant to Heartland Bank and Trust Company a perpetual, nontransferable, non-exclusive, royalty-free, worldwide, irrevocable license to use the image and the data you provide to Heartland Bank and Trust Company for the purpose of providing your Customized Debit Card.
  6. You consent (or have obtained consent from the image’s owner) to Heartland Bank and Trust Company storing, modifying, copying or using the image.
  7. You shall indemnify and hold harmless Heartland Bank and Trust Company, its successors and assigns, against any claims arising or loss suffered by Heartland Bank and Trust Company resulting from your use of this service or as a result of the image being used on and reproduced on your Customized Debit Card, or arising out of or as a result of Heartland Bank and Trust Company storing, modifying, copying or using the image. 
  8. Heartland Bank and Trust Company’s liability hereunder is limited to refunding the fee associated with the issuance of the Customized Debit Card, and Heartland Bank and Trust Company is not liable to you for any loss, damage, claim or expense whatsoever in relation to any action by Heartland Bank and Trust Company permitted under these Terms and Conditions. Heartland Bank and Trust Company is not responsible for poor-quality images or images poorly positioned on the Customized Debit Card template.
  9. Your Customized Debit Card remains the property of Heartland Bank and Trust Company and you agree to immediately return it or destroy it if asked by Heartland Bank and Trust Company for any reason, or if the card or accounts that your Customized Debit Card is linked to is closed.
  10. If approved, the image will be stored by Heartland Bank and Trust Company or its agents and contractors for a period of at least five (5) years. The image will be printed on any subsequent reissued Customized Debit Card within a five-year period unless you have uploaded another image within that period.
  11. Heartland Bank and Trust Company reserves the right to review and not to accept or use any image you submit, or to refuse to issue a Customized Debit Card.
  12. You agree to destroy your old card, if applicable, once you receive your new Customized Debit Card and hold Heartland Bank and Trust Company harmless for any loss as a result of not doing so.

I agree to the terms and conditions and I would like to create a custom debit card. →