NXT Bank Customers, Welcome to Heartland Bank!
One location for all merger information and resources.
|October 1, 2021||NXT Bank became a subsidiary of HBT Financial, Inc., which owns Heartland Bank and Trust Company, both headquartered in Bloomington, Illinois.|
|December 3, 2021||NXT Bank merges with Heartland Bank and Trust Company. To ensure a seamless transition to Heartland Bank’s platforms, your current digital banking services will be unavailable until the morning of Monday, December 6.|
|December 6, 2021||All Heartland Bank locations, products, and services will be available. Online Banking is available using your current username and password. You will now be able to use your new Heartland Bank debit card and the Heartland Bank mobile app.|
Questions & Answers
Following are answers to a few questions you may have about the NXT Bank merger with Heartland Bank and Trust Company.
Headquartered in Bloomington, Illinois, Heartland Bank and Trust Company is a strong community bank whose banking roots go back three generations to a founding principle of neighborly service. The bank has 57 offices in central and northern Illinois.
While the NXT Bank name will change, the leaders that you know and trust will remain to offer you the additional products and services that will soon be available to you. We look forward to serving you!
For now, it’s business as usual! We will provide written notification well in advance of any changes.
Not yet. You will be able to use other Heartland Bank and Trust Company locations beginning December 6 once systems are merged. Until then, please continue to use your current locations. We will post more information on this website page as it becomes available.
Not yet. You will be able to use the Heartland Bank and Trust Company website beginning December 6 once systems are merged. Until then, please continue to use nxtbank.net. We will post more information on this website page as it becomes available.
If you are traveling in Illinois, you will be able to use your NXT debit card at most Heartland Bank and Trust Company ATMs free of charge after October 15. ATM locations are available here.
Yes, your deposits will continue to be covered by FDIC insurance as they are now. The FDIC standard coverage per depositor per financial institution is $250,000.
The FDIC has useful tools online to help you determine your FDIC insurance coverage. Visit www.fdic.gov for more information or visit your local NXT Bank office.
All deposit accounts transferred to Heartland Bank will be separately insured until at least June 3, 2022. This grace period gives you the opportunity to restructure the accounts, if necessary. The FDIC has useful tools online to help you determine your FDIC insurance coverage. Visit www.fdic.gov for more information or visit your local branch.
Yes. Please continue to access your accounts just as you normally do.
Yes. NXT Bank checks will be processed just as they always have.
Yes. Continue banking electronically as you currently do. Digital services through Heartland Bank and Trust Company
will be very similar to your experience today. Additional information will be shared soon.
The few customers whose account number needed to change have been notified.
Check images are not included in statements for personal checking accounts. However, check images are viewable in online and mobile banking. Please consult with your banker for more information if you are not already enrolled in these services.
Your direct deposit or automatic transfers will continue as usual.
Transactions accepted by close of business, Monday through Friday, will be posted the same business day. Transactions accepted after close of business, or on Saturdays, Sundays, or Federal holidays, will be posted to your account the next business day. Transactions posted through ACH, such as direct deposit, will be processed each business day.
The terms of your Certificate of Deposit remain the same. Please consult the account terms and conditions or speak with us about your account.
Heartland Bank and Trust Company will become the new plan administrator for these accounts when the banks merge in December.
You may continue to access your safe deposit box just as you always have.
Please make your loan payments as you usually do until further notice.
Heartland Bank's routing number is: 071112066
Heartland Bank and Trust Company is a full-service financial institution. In addition to personal and business deposit and loan products, Heartland Bank offers Treasury Management for businesses, Wealth Management for financial planning, and Agricultural Services that support
the farming industry.
Heartland Bank and Trust Company has a long history of providing a comprehensive line of products and services, competitively priced and conveniently delivered to customers! In late October and early November, you will receive more detailed communication about what you can expect with the merger of the banks on December 3. Beginning December 6, you will have access to all Heartland Bank locations and will be able to take full advantage of all that Heartland Bank has to offer. For now, it’s business as usual for NXT Bank customers. Please continue banking as you always have!
On October 1, 2021, NXT Bank became a subsidiary of HBT Financial, Inc., which owns Heartland Bank and Trust Company, both headquartered in Bloomington, Illinois. NXT Bank and Heartland Bank have many similarities, making this union a perfect fit for our employees and for you as a valued customer.
NXT Bank will continue to operate as a separate bank until December 3, 2021, when NXT Bank will merge with Heartland Bank and Trust Company. During the weekend of December 4-5, we will bring the two banks’ systems together.
Beginning December 6, all NXT Bank branches will operate as Heartland Bank and Trust Company. At that time, you will be able to take full advantage of additional products, services and locations while still being part of the community banking experience you expect.
In the meantime:
- Continue to access your funds as usual using your current supply of checks, debit cards, and NXT Bank locations.
- Direct deposits and automatic payments will continue as scheduled.
- Continue to access your accounts online.
- Continue to make your loan payments payable to NXT Bank until further notice.
- Please refer to the list of common Questions & Answers above for additional information.