Opt In Protection

You want peace of mind, because things happen.

Federal Reserve regulations require you to authorize, or opt in, to allow us to apply overdraft service* to everyday Debit Card and ATM transactions on your personal checking account. This means we must receive verification from you before we consider payment of your everyday debit card purchases or ATM withdrawals that create an overdraft in your personal checking account. If you do not opt in, whenever sufficient funds are not available in your account, all one-time debit and ATM transactions will be declined.

To participate, fill out Heartland Bank's Opt In Form, print it and present it at any Heartland Bank branch or mail it to:

Heartland Bank
PO Box 67
Bloomington, IL 61702-0067

Learn more about Federal Reserve rules.

*Heartland Bank’s overdraft service is provided at our discretion to qualified accounts. There is no charge unless you use the service.