Heartland FCU offers a totally free checking account without added fees or charges that can drain your budget. It offers full access, full convenience, and no surprises.


  • 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.

Overdraft Products

Heartland FCU offers Members several different Overdraft Products.

Earn Dividends

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 to those members maintaining the required average daily balance of $1,500.

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.