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 collected balance $1,000 daily balance or $2,500 average collected 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