Totally Free Checking

Explore our free checking account options to discover which one is right for you!

Our tradition of excellence begins with flexible checking accounts developed with you in mind. Visit any of our convenient locations, or apply online now!

EVERY new personal checking account includes:

Which Account is Right for Me?

It only takes answering three simple questions to help decide which account is best for you. Check out all of our different checking account options today!

Totally Free Checking

FREE account for everyone

  • No minimum balance
  • No monthly service charge
  • Unlimited check writing

 

VIP Free Interest Checking

FREE with direct deposit or any automatic payment

  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • Unlimited check writing

 

50+ Free Interest Checking

FREE for customers 50 and better

  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • Unlimited check writing

 

Capital Interest Checking

For those who want higher interest rates

  • Higher interest rates on balances over $2,500
  • Competitive interest on balances under $2,500
  • Free personalized checks
  • Unlimited check writing
  • Only $8 per month if minimum balance falls below $1,000


To learn more about Heartland Bank Personal Checking, visit any of our convenient locations, or give us a call. 

Customer Care Center: 888-897-2276
Monday-Friday: 7:00 am to 6:00 pm
Saturday: 8:00 am to 1:00 pm

* Customers will recieve $2 per debit card and $2 per book of checks, given at the time the debit cards/checks are presented, up to $25.

Minimum opening deposit is only $50.