Questions and answers to our members' most common inquiries. 

If you need additional assistance, please Contact Us and we'd be happy to help. 

Affinia FCU Merger

Does HFCU have a Facebook page?
Will I have to order new checks?
Can I nickname my accounts on Heartland Online?
Will my statements continue to be delivered via inter-office mail?
What ATM locations will I have access to?
Do you have online banking?
Will my IRA be affected?
Will I have access to more branch locations?
Will my recurring direct deposits and automatic withdrawals from authorized third parties continue?
Will I be issued a new Visa Debit card?
If I have an ATM card, will I receive a new one?
Will I be issued a new MasterCard?
I have automatic transfers created on my account. What will happen to those?
Will I get to keep my member number?
What does Shared Branching mean?
Will I still have Telephone Banking?
Will I be able to bank on my mobile phone?
What will my new suffixes be?
Will my bill pay carry over?
Will I have access to my history?
Will the Credit Union's hours change?
Do you offer Mobile Deposit?
Will the Reynolds' location remain open?
Will I still see the same smiling faces in the Reynolds' Credit Union office?
Does Heartland FCU work with a debt management company?
Will there still be monthly on-site seminars?
Has the field of membership changed?
Is there a monthly account fee?
Will my Share Certificates remain at my existing rate and term?
Are there any rewards with your Visa Credit Card program?
Will the Credit Union still support Reynolds' events?
Will the Credit Union still work with Harrison Financial Group?
Will I pay a fee for Bill Pay?
Why is there a loan processing fee?
How can I apply for a loan with Heartland FCU?
Will you still offer gift cards?


What is Heartland FCU's routing number?
Do you take cash?
Do you run credit checks for loans?
How do I become a member?
What information do I give my employer for Direct Deposit?
I cancelled my gym membership but it continues to come out of my account. What can I do?
Is there a comparison site for credit cards?

Credit Scores

Why do financial institutions use FICO scores?
Are there other names for FICO scores?
What does my credit score need to be to get a loan?
Is there a difference between a "credit score" and a "FICO score"?
How can I get my credit report?


Is there a limit to a VA loan?
Can I get FHA financing for a rental/investment property?
Can I get FHA financing for a condo?
Why should I consider FHA financing for my home mortgage?
What is the FHA loan limit?
Can I refinance into an FHA mortgage?
What is a VA loan?


I want to join LifeStages, but I already have a AAA or Sam's Club membership.
How long will it take to get my AAA or Sam's Club Membership?
It's been longer than 4-6 weeks and I still don't have my membership.
Can I have a secondary person on my membership?
Can I upgrade my Sam's Club or AAA membership?
I'd like to get into a LifeStage, but I'm not sure which package makes the most sense for me.
I've been in the LifeStages program for about a year and I received a bill for my AAA or Sam's Club membership, what do I do with it?
Can I change my Lifestage package?
Can I switch from a AAA membership to a Sam's Club or vice versa?

Monumental Life Insurance

Do I automatically receive the no-cost basic insurance?
Must I buy additional coverage in order to get the AD&D no-cost basic coverage?
Does this cover on-the-job accidents?
How much additional coverage is available? Can I also insure my family?
Must I take a medical exam or answer health questions?
I bought additional coverage and received "Added Benefits." What does this mean?
Is there an age cut off?
When does my coverage begin?`
What does "common carrier" mean?
How long does it take before I receive my Insurance Coverage Document?
What if I decide to cancel?
How will I be billed?
How do I file a claim?
How long will it take to process my claim?
Who is the plan administrator?


Our LifePerks Loyalty Program is just one way we are rewarding members for active use of our credit union products and services. Click to learn more.

Annual Meeting

Please join us at our new Kettering branch for our Annual Meeting on Tuesday, April 21 at 8 PM. For questions, please email info@thinkheartland.com.