Privacy and Security

Protecting your privacy and security is a top priority at Heartland Bank. That’s why we utilize several layers of security features to ensure your privacy and security online.


Our Privacy Policy is available for your review.

No action is necessary on your part to limit the sharing of nonpublic personal information because we already limit such sharing.

If you have questions regarding the privacy of your personal information, please contact us*.

*This e-mail link is for general inquiries only. It is not secure e-mail. For your protection, please do not include confidential or sensitive information such as social security numbers, account numbers, etc. when using this e-mail link.


Heartland Bank utilizes several security measures to protect your finances:

  • Multiple firewalls protect our internal systems from unauthorized access.
  • We use 128-bit Secure Socket Layer (SSL) technology, which encrypts your data so that it is unreadable as it travels across the Internet. SSL also authenticates the server with which you’re communicating, so you can be sure that your information is going to Heartland Bank and not to another location.
  • We utilize a "time-out" feature which automatically logs you out of our system after a period of inactivity.
  • Only three unsuccessful log-in attempts are allowed before the account is locked. This feature deters and reports PIN guessing.
  • We have added even more authentication enhancements. At some point, you will be prompted to provide answers to three challenge questions upon logging in to Online Banking.  Over time, we will build a profile of your typical online banking activity. Then, if we detect something that seems unusual, we will pose two of the challenge questions to confirm it is really you, and not an unauthorized user. If you answer the questions correctly, you will be allowed to continue your Online Banking session.
  • Use the secure e-mail feature inside our Online Banking system should you need to communicate with us regarding your account.

Preventing Identity Theft

Follow these safety tips to protect yourself from identity theft:

Card safety

  • Report lost or stolen cards immediately.
  • Sign your card on the signature panel as soon as you receive it.
  • Never write down your PIN; memorize it.  Also, never use your PIN as a password.
  • Never disclose your PIN to anyone.  No one from a financial institution, the police or a merchant should ask you for your PIN.
  • Make copies of all your cards (front and back) and store the copies in a safe place for quick reference in case the cards are ever lost or stolen.
  • Always check your account statement and verify the amounts of your purchases and withdrawals.
  • Always take your card receipt.  It may contain personal information that could be helpful to thieves.
  • If you don’t plan to include a tip on your card purchase, draw a line through the “tip” section of the receipt; this will prevent someone else from adding to the total.

Online safety

  • Never send account information, such as your account number or PIN, in the body of an e-mail.  You never know who could be intercepting it.
  • Beware of phishing e-mails.  These are e-mails that appear to be from your bank or an online merchant asking you to provide your account information. These e-mails are bogus.  Heartland Bank will never ask you for account or personal information in an e-mail.
  • Before making purchases online, make sure that the site has built-in security features to protect your account information. Reputable merchants use encryption technologies that will protect your private data from being intercepted during online transactions.
  • Keep your anti-spyware and anti-virus updates current.

Mail and phone safety

  • Never give your account information to anyone claiming to be from Heartland Bank unless you initiated the call.
  • Do not give your account number or personal information (social security number, etc.) over the phone unless you initiated the call.
  • Make sure your mailbox is secure and promptly remove delivered mail.
  • Never leave outgoing mail containing personal or financial information in your unsecured mailbox. Deposit your mail in a secure, official Postal Service collection box.
  • Notify the Post Office immediately if you change your address.
  • Have your mail held by the Post Office when you are away or on vacation.
  • If you stop receiving regular bills, contact the company to find out why. Someone may have filed a false change-of-address notice to divert your mail and steal your identity.
  • Shred credit card application forms and financial statements before disposing of them.


If you believe you are a victim of ID Theft or would like more information on prevention, please visit the Federal ID Theft website.