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CNB Merger

Setting Your Debit Card PIN

You can set your debit card PIN number by calling 800-290-7893 after 8 a.m. on Monday, March 23, 2026.

What to Expect

The legal merger of CNB and Heartland Bank and Trust Company occurred March 1, 2026.

Your accounts remain open and your money is safe. Starting March 23, you’ll begin using Heartland Bank and Trust Company systems and tools.

  • Begin using Heartland Bank and Trust Company checks, debit card(s), accounts and locations.
  • Direct deposits and automatic payments will continue as scheduled.
  • Access accounts through Heartland Bank’s online or mobile banking.
  • All loan payments should be made payable to Heartland Bank.

Please refer to the list of common FAQs and Welcome Booklet for important information to prepare you for conversion.

Welcome Booklet

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Key Dates

  • February 2026: In the month of February, you should have received a courtesy merger letter, a welcome booklet and other important information regarding the merger.
  • March 1, 2026: The legal merger occurred and is effective.
  • March 21, 2026: CNB branch locations closed to prepare for the systems conversion.
  • March 23, 2026: Starting this day, you may begin using Heartland Bank’s digital banking services, Heartland Bank’s routing number and may bank at all Heartland Bank locations.

Download the Heartland Bank mobile app today!

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Accessing Your Accounts Online

Get started with digital banking!

You can no longer access CNB online banking after 11:30 a.m. on March 20.

We’re confident you’ll find Heartland Bank’s online and mobile banking platforms intuitive and easy to use. Learn more about your new digital banking experience!

Important Information

Get started with Business Connect!

You will no longer have access to eCorp through CNB after 11:30 a.m. on March 20. Please check your inbox for more information on what to expect during this transition.

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, anytime. 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!

View or pay your loans online!

You can now access Heartland Bank’s online banking and loan payment portal. Please visit hbtbank.com to log in today.

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: Make payments within your Heartland Bank online banking or in the Loan Payment Portal. Both can be accessed in the upper right corner of this page.
  • 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.

Security Center

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.

Yes, you can now access Heartland Bank’s online or mobile banking.

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. 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 our Customer Care team 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. You should have received a communication welcoming you to Heartland Bank.

Checking & Savings Accounts

You should have received a new Heartland Bank debit card in the mail. If you have not received this, please visit your local branch or contact our Customer Care team to assist you.

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.

Please begin using Heartland Bank’s digital banking services. You should have received a Welcome Booklet and an email with more information on accessing your accounts. Please also visit our Online Banking Resource Page for more information about Heartland Bank’s 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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