Heartland FCU offers two checking options with full access, full convenience, and no surprises.

Totally Free Checking

  • No monthly maintenance charge.
  • No minimum balance requirement.
  • FREE first order of checks.
  • FREE ATM/Check card.
  • Earn dividends on balances of $1,500 or more.*
  • Overdraft Products available if eligible.

Money Fund Checking

If you maintain a balance of $2,500 or more in your account, the Money Fund Checking Account is for you! Earn higher dividends rates with higher balances:*
  • Tier 1 <$10,001
  • Tier 2 <$25,001
  • Tier 3 <$50,001
  • Tier 4 >$50,000

The Heartland Money Fund Checking gives you convenient access to your money with unlimited check writing. Additionally, no per-item fee is assessed. Get your first order of checks and your ATM/Check card free. See our schedule of fees for fee associated with low balance on a Money Fund Checking account.

Overdraft Products

Heartland FCU offers Members several different Overdraft Products.

24 Hour Member Services

Heartline Audio Response Banking1.800.544.9696
Heartland Online & Mobile
Visa Debit Card Lost/Stolen1.800.543.9696

Your Funds are Insured

Your Heartland Federal Credit Union funds are Federally Insured to $250,000 by NCUA. Heartland FCU also carries additional insurance for member accounts provided by Excess Share Insurance (ESI) for a total of $500,000 per member.
*Our checking program pays a rate of return which is compounded and paid monthly and is based on day-of-deposit to day-of-withdrawal of funds. Minimum balance requirements apply.

Change in Hours 

Effective November 7, 2015 Heartland FCU branches will no longer be open on Saturdays. Click here to read a letter from our President & CEO.

ATM Closings 

The following ATMs are no longer in service: Englewood (National Rd), Dayton (40 W. Fourth St), and Kettering (Bee-Gees Market). For your nearest ATM or Shared Branching location visit our Locator.