Exciting changes to your digital banking experience are coming soon! Click here for more information.

Join us During our More 4 You Event!

M4 Y Dwain Stadie 500 GC Winner Original Crop Resize 350px
Sue Tasche presents the $500 Visa gift card to drawing winner Dwain, during our September 2021 More 4 You Event!

You're Invited!

We would like to personally invite you, your family, and your friends to join us for our More 4 You Event! September 23rd ONLY, enter yourself for a chance to win a $500 Visa gift card from Heartland Bank! Entry is FREE and open to all! Simply enter by:

  • Completing our simple entry form at any Heartland Bank branch from open of business to close of business on September 23rd
  • Or open a checking account online on September 23rd

Whether you want to enter yourself for a chance to win a $500 Visa gift card or simply join in on the fun, stop by any one of our branch locations in central and northern Illinois and eastern Iowa. The celebration includes gifts, such as our "More 4 You" koozies (while supplies last), one-day-only offers, and more!

Why should I open an account with Heartland Bank?

With so many great event offers, there is never a better time to become a Heartland Bank customer!

With management decisions being made locally and not by an out-of-state corporation, we are able to set banking policies and philosophies to suit not only your best interests, but the best interests and needs of your community!

The phrase "small enough to know you, big enough to serve you" is what Heartland Bank is all about. Get to know us and understand why!

Open any checking account and receive:

  • Entry into a drawing for a $500 Visa® gift card**
  • A $15 eGift Card of your choice*
  • Up to $25 for your check cards and unused checks from another bank^

Personal accounts also receive:

  • Free box of Specialty checks or
  • Free Spirit Card (where available)†

Business accounts also receive:

  • Free self-inking stampº

Even if you are not in need of a new account, stop in and join the fun! Someone has to win the $500 Visa® Gift Card** - it could be YOU!

*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. See banker for details.

**Retail value of Grand Prize is $500. Full contest details can be found at your local Heartland Bank branch or at the links above.

^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

†Offer is good for one total Spirit debit card per account owner. $10 value per card. Spirit debit card type must be chosen at account opening. Ask for complete list of participating schools.

ºDeluxe item 102170.

Minimum opening deposit is $50

Deposit Rates

These rates are effective as of July 5, 2022.

Rates are for personal and business accounts only. For municipalities and other public funds, rates are provided on the commercial and public funds rate sheet. We are not accepting deposits from other financial institutions.
Rates are subject to change.


Interest RateAnnual Percentage YieldMinimum to Open
50+ Free Interest Checking0.02%0.02%$50
VIP Free Interest Checking0.02%0.02%$50
Business Checking with Interest0.02%0.02%$50
~Fees could reduce account earnings
+Rate may change after account opening

Capital Interest Checking & HSA Checking~+

Interest RateAnnual Percentage YieldMinimum to Open
$25,000 and Over0.07%0.07%$50
$10,000 - $24,9990.05%0.05%$50
$2,500 - $9,9990.03%0.03%$50
Less Than $2,5000.02%0.02%$50
~Fees could reduce account earnings
+Rate may change after account opening