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CNB Merger

What to Expect

The legal merger of CNB and Heartland Bank will occur on March 1, 2026.

Your everyday banking will continue without interruption until our systems merge the weekend of March 20-22. You will receive additional communication in the coming weeks to inform you of changes, if any, to your accounts. In the meantime:

  • Continue to bank using the same checks, debit card(s), accounts and CNB locations.
  • Direct deposits and automatic payments will continue as scheduled.
  • Access accounts as usual through online and mobile banking.
  • Continue to make your loan payments as usual.
  • Starting March 1, please make payments payable to Heartland Bank.
  • As we move toward the system conversion, you will receive a welcome booklet and other necessary updates with clear and timely information.

Please refer to the below list of common FAQs for additional information.

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Key Dates

  • February 2026: In the month of February, you will receive a welcome letter and other important information regarding the merge.
  • March 1, 2026: The legal merger becomes effective; your everyday banking continues as usual.
  • March 20, 2026: Starting this day, some services will be temporarily unavailable, and you will have limited access to your accounts.
  • March 21, 2026: CNB branch locations will be closed to prepare for the systems conversion.
  • March 23, 2026: Starting this day, you will begin using Heartland Bank’s digital banking services, Heartland Bank’s routing number and may bank at all Heartland Bank locations.
  • Check back to this page regularly for more up-to-date information.

Download the Heartland Bank mobile app to begin using after March 23:

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Accessing Your Accounts Online

Get started with digital banking!

You can continue to use your current online banking through March 20. We’ll be sharing more details soon about how to access your online and mobile banking after that date.

We’re confident you’ll find Heartland Bank’s online and mobile banking platforms intuitive and easy to use.

Business accounts can also access:

  • Account Management
  • Autobooks
  • Business Connect

Get started with Business Connect!

You can continue to use your current treasury services through March 20. We’ll be sharing more details soon about how to access your Business Connect account after that date.

Business Connect is Heartland Bank’s software solution for your business! With it, you can easily view, track and manage your day-to-day cash position online, any time. Plus, there are different service tiers so you can customize settings based on what you need, whether you’re a small startup, a large corporation or a commercial operation.

  • View account balances, 24/7/365
  • Set up multiuser access and permissions
  • View transaction history and eStatements
  • Easily set balance and transaction alerts
  • Export reports into accounting software (Quickbooks, Quicken, etc.)
  • Place stop payments
  • Reconcile statements
  • Cash management
  • Fraud protection
  • PLUS, additional solutions based on your business needs!

We offer a variety of personal and business loan services!

You can access Heartland Bank’s online banking and loan portal payments starting March 23. We’ll be sharing more details soon about how to access your loan accounts after that date.

Where should I send my loan payments?

Effective March 1, 2026, loan payments should be made payable to Heartland Bank and Trust Company.

  • By mail: Please mail your payments to
  • Heartland Bank and Trust Company
  • Loan Department
  • P.O. Box 880
  • Jacksonville, IL 62651-0880
  • Automatic payments: Loan payments automatically debited from a checking account will continue as usual.
  • Online payments: Continue to make your payments as usual.
  • In branch: You can continue making your loan payment in person as usual.

Loans are subject to approval, and fees may apply. Terms and Loan to Value requirements are subject to change without notice. For licensing information, go to www.nmlsconsumeraccess.org. NMLS #402266

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Account Support & Safety

At Heartland Bank, your security is our top priority. From time to time, Heartland Bank may contact you, but we will never ask you to share personal information, such as your password or PIN, by phone, email or text. If you’re ever unsure about a message or call, simply pause and contact us directly so we can help.

Visit our Security Center for more information on how to keep your account safe.

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At Heartland Bank, our strength lies in relationships that give meaning to our work. We’re here to serve you!

FAQs

The following are answers to a few questions you may have about the CNB Bank & Trust merger with Heartland Bank and Trust Company.

General Information

Heartland Bank and Trust Company is a wholly owned subsidiary of HBT Financial Inc., headquartered in Bloomington, Illinois. The bank’s roots can be traced back to 1920 when M.B. Drake, grandfather of current Executive Chairman, Fred Drake, helped found a community bank in Cornland, Illinois. Heartland Bank has grown organically and through the successful integration of more than a dozen community bank mergers. The bank has 68 locations throughout Illinois and in Eastern Iowa. Learn more about Heartland Bank here.

You will be able to conduct your banking business at all Heartland Bank locations beginning March 23, 2026. Until then, please continue to use your usual branch location(s).

View all Heartland Bank branch locations here.

You will be able to access Heartland Bank’s online and mobile banking beginning March 23, 2026. Until then, please continue to use CNB online banking and mobile banking.

You will continue using your current CNB routing numbers (081904662, 081906000 and 281271137) just as you do today until our systems merge. Starting March 23, 2026, you will begin using Heartland Bank’s routing number (071112066) for all direct deposits and automatic payments. You may continue to use your existing checks and deposit slips until you run out. The routing number will be updated when you reorder.

After March 23, 2026, your direct deposits and automatic payments should continue without interruption; however, some employers or other payment originators may require the Heartland Bank routing number (071112066) to continue payments to your accounts.

Banking & Services

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.

Yes. Please continue to access your accounts as usual. You will receive more information about changes, if any, in the coming weeks.

The terms of your Certificate of Deposit remain the same. For more information, please contact Customer Service or refer to your account terms and conditions.

There are no changes to your safe deposit box, and you may still access it as usual.

Effective March 1, 2026, loan payments should be made payable to Heartland Bank and Trust Company.

By mail: Please mail your payments to
Heartland Bank and Trust Company
Loan Department
P.O. Box 880
Jacksonville, IL 62651-0880

Automatic payments: Loan payments automatically debited from a checking account will continue as usual.

Online payments: Continue to make your payments as usual.

In branch: You can continue making your loan payment in person as usual.

Our wealth management teams are working together to ensure a seamless transition for you. Please look for additional mailed communication welcoming you to Heartland Bank in the coming days.

Checking & Savings Accounts

Yes. Please continue to access your accounts as usual. You will receive more information about changes, if any, closer to the systems conversion in March 2026.

The majority of account numbers will not change. In the event your account number is the same as an existing Heartland Bank customer account number, we will contact you well in advance to assist you with any changes needed.

CNB checks will be processed as they always have.

Heartland Bank will become the successor custodian of IRA and HSA accounts effective March 1, 2026. An updated plan agreement will be sent to you after the March 2026 systems conversion.

Yes. Continue to bank as usual, accessing your accounts online or through the mobile app. On March 23, 2026, you will begin to use Heartland Bank’s digital banking services, much like you are used to today. You will receive additional information in the coming days with what to expect during this transition. Please visit our Online Banking Resource Page for more important information about online banking.

FDIC Insurance Coverage

Yes, your deposits will continue to be covered by FDIC insurance as they are now. The FDIC coverage per depositor per financial institution is $250,000.

Your deposits at both banks will be separately insured for at least six months after the merger. This grace period provides the opportunity to restructure the accounts, if desired.

Visit www.fdic.gov, where you will find tools to help you determine your FDIC coverage.

Community

Heartland Bank and CNB share a commitment to the communities we serve. As we move forward, we remain focused on honoring the legacy of both institutions and continuing to support the partnerships that matter most to our customers and communities. We are committed to thoughtful decisions that reflect our shared values and long-standing community ties.

Learn more about Heartland Bank’s Community Matters program.

Informational Resources

Learn more about the merger of CNB and Heartland Bank:

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