Personal Checking
Managing your checking account doesn't have to be complicated. The following sections cover the basics of how your account works so you can take control of your money and avoid unexpected overdrafts and fees.
| Features | Regular Checking |
Personal Now |
Direct Deposit |
Premier Checking |
Heartland Gold |
|---|---|---|---|---|---|
| Description | Just what you need in a checking account |
Earn interest on your balance | Convenient deposit-based checking |
A value-added package of services | For those who have celebrated 50 or more birthdays |
| Minimum Opening Deposit | None | None |
None |
None |
None |
| Minimum Balance Requirements | $500 daily balance or $1,000 average daily balance | $1,000 daily balance or $2,500 average daily balance | None |
None |
None |
| Monthly Service Charge | $5 if minimum balance requirements are not met | $8 if minimum balance requirements are not met | No charge with monthly direct deposit, otherwise $5/month | No charge with open credit line account, otherwise $5/month | None |
| Interest | No | Yes with $1000 daily balance |
No | Yes with $1000 daily balance |
Yes with $1000 daily balance |
| ATM/Debit Card* | Yes | Yes |
Yes |
Yes |
Yes |
| Online Banking / Bill Pay | Yes |
Yes |
Yes |
Yes |
Yes |
| Additional Benefits |
Unlimited check writing
e-Statements available
Notary Service
|
Unlimited check writing
e-Statements available
Notary Service
|
Unlimited check writing
e-Statements available
Notary Service
|
Unlimited check writing
Overdraft protection provided by credit line account
Premier checks
Copy machine usage
Notary Service
e-Statements available
|
Unlimited check writing
Heartland Gold Checks (1 order per year)
Copy machine usage
Notary Service
e-Statements available
|