Welcome to Heartland Bank and Trust Company!

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 Chairman and Chief Executive Officer, 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 61 banking locations.

Effective February 1, 2023, you will be a customer of Heartland Bank / State Bank of Lincoln. Your banking business continues as usual, using the same checks, debit card(s), credit card(s), and accounts.

You will be able to conduct your banking business at all Heartland Bank / State Bank of Lincoln locations beginning April 24, 2023. Until then, please continue to use your usual Town and Country Bank / Peoples Prosperity Bank branch location(s).

You will be able to conduct your banking business on the Heartland Bank / State Bank of Lincoln websites beginning April 24, 2023. Until then, please continue to use the Town and Country Bank / Peoples Prosperity Bank website.

Yes. You can use your debit card at all Heartland Bank and State Bank of Lincoln ATMs free of charge beginning February 1, 2023. ATM locations are available here.

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.

Yes. Please continue to access your accounts as usual. You will receive more information about changes, if any, closer to the systems conversion in mid-April 2023.

Your account number will not change as the result of the February 1 merger. In the unlikely event your account number is a duplicate to an existing Heartland Bank / State Bank of Lincoln customer account number, we will contact you well in advance to assist you with any changes needed.

Town and Country Bank / Peoples Prosperity Bank checks will be processed as they always have.

Your direct deposit and / or automatic transfers will continue as usual.

Yes. Continue to bank as usual, accessing your accounts online or through Alvy+, the mobile app. On April 24, 2023, you will begin to use Heartland Bank’s digital banking services, much like you are used to today. Please visit our Online Banking Resource Page for more important information about this transition.

The terms of your Certificate of Deposit remain the same. For more information, please contact the Customer Service Solution Center at 1-866-770-3100 or refer to your account terms and conditions.

Heartland Bank will become the successor custodian of your IRA effective February 1, 2023. An updated plan agreement will be sent to you after the mid-April 2023 systems conversion.

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

Effective February 1, 2023, loan payments should be made payable to Heartland Bank and Trust Company.

By mail: Please mail your payments to the address listed on your billing notice or to Heartland Bank, P.O. Box 67, Bloomington, IL 61702-0067.

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.

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.

In mid-March 2023, you will begin receiving detailed communications about what you can expect at the time of systems conversion.

Keep your account information safe! We may call you occasionally, but remember, we will never ask for your personal information over the phone or by email. Don’t fall victim to fraud or scams.

Town and Country Bank / Peoples Prosperity Bank and Heartland Bank have like-minded missions and values. With a strong commitment to the communities we serve, the combined company will provide you with additional resources through a comprehensive suite of business, commercial, wealth management, lending, and retail banking products and services, as well as farmland management and farmland sales. The Town and Country Bank / Peoples Prosperity Bank network of branches will expand to include Heartland Bank’s 61 banking locations throughout central and northeastern Illinois and eastern Iowa.

There is no action you need to take at this time. You will receive more communication as we get closer to the mid-April 2023 systems conversion, keeping you informed of changes, if any, to your accounts.

In the meantime:

• Continue to bank using the same supply of checks, debit card(s), credit card(s), and Town and Country Bank / Peoples Prosperity Bank locations.
• Direct deposits and automatic payments will continue as scheduled.
• Access accounts as usual through online and mobile banking.
• Make loan payments payable to Heartland Bank beginning February 1, 2023.

Please refer to the below list of common Questions & Answers for additional information.