ATM & Check Cards

Access your money with a swipe of your card.

Heartland offers eligible members a FREE ATM / Visa® Debit Card giving you purchasing power and providing you access to your funds anywhere you see the Alliance One, Accel, CU Here, Money Pass, Plus System or where Visa is accepted.

  • To activate your card or change the PIN: 866.661.8548.
  • For lost / stolen cards:  800.417.8715
  • For Fraud disputes: 844.665.5221
  • For declined transactions: 800.417.8715.
  • For disputes: 800.417.8715.
  • If you plan to travel call 937.294.1991 so our fraud department is aware and your card usage won't be interrupted.

ATM / Visa Debit Card
Your Heartland Card will allow you to withdraw money, make transfers, and review your balances at any ATM that displays the Alliance One, Accel, Credit Union 24/CU Here, Money Pass, Plus System or Visa logo. In addition to using at ATMs for transactions, your Card is accepted at millions of merchants worldwide for purchases. Transactions are deducted from your linked checking account just like writing a check. Some merchants allow additional cash back when a transaction is processed as a "debit” at the point of sale. When your request the purchase be processed as "credit”, the money is still deducted from your checking account, but there is no fee and transactions are unlimited.

Verified by Visa - for Debit Card
You’re eligible for an extra layer of protection when you use your Heartland Visa Debit Card to make online purchases. Enroll your debit card on the Verified by Visa website and enjoy added security and peace of mind.


Holiday Closing

All branches will be closed Monday, May 30 in honor of Memorial Day. We will reopen to normal business hours Tuesday, May 31. See all our holiday closings here.