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 open an account 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

VIP Free Interest Checking

50+ Free Interest Checking

Capital Interest Checking

 

Totally Free Checking

FREE account for everyone

  • No minimum balance
  • No monthly service charge
  • Unlimited check writing
  • Easy-to-balance monthly statement

 

VIP Free Interest Checking

FREE with direct deposit or any automatic payment

  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • Unlimited check writing
  • Easy-to-balance monthly statement

 

50+ Free Interest Checking

FREE for customers 50 and better

  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • Unlimited check writing
  • Easy-to-balance monthly statement

 

Capital Interest Checking

For those who want higher interest rates

  • Higher interest rates on balances over $2,500
  • Competitive interest if balance falls below $2,500
  • Free personalized checks
  • Unlimited check writing
  • Easy-to-balance monthly statement
  • 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

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We make it simple for you to switch your checking account to Heartland Bank. Access our Simple Switch Kit and switch to Heartland Bank today!

Offer good on personal accounts only; business and corporate accounts do not qualify for these plans. Bank rules and regulations apply. Minimum opening deposit is only $50. Call us for details.

* Customers will receive $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.