Personal Saving Accounts

Features Personal Money Market Personal Savings
Type Tiered interest rate account Traditional savings
Min. Daily Balance $2,500 $300
Service Charge $10/month if minimum daily balance required is not met $4/month if minimum daily balance is not maintained
Interest Bearing
 Yes with $2,500 daily balance
Additional Benefits
  • Write up to 6 third party checks per month
  • e-Statements available
  • Online Banking
  • *ATM card
  • Can be linked to checking for overdraft protection
  • e-Statements available
  • Online Banking
*Fees may apply for transactions at ATMs other than Heartland National Bank


An excessive withdrawal fee of $2 for savings accounts, and $3 for money market accounts, is assessed per transaction, if more than six pre-authorized, telephone funds transfers or third party transactions are paid during the month. Use of overdraft protection will result in a transfer fee.

Savings accounts do not have check writing access.

Transaction Limitations: You are limited to six pre-authorized, telephone or on-line transfers to your other Heartland National Bank Accounts or to third parties. The limitation applies per month. If you routinely exceed these limitations, the Bank may close the account or convert it to a checking account. Transaction limitations apply regardless of balance.