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.

Holiday Closings

We will be closed Thanksgiving Day and Friday, November 27th to allow our employees to spend time with their families. We will reopen to normal business hours on Monday, November 30th


Changes are coming to our Loyalty Program. Check out the new qualifications and earn a free gift just for doing more at Heartland FCU. Apply for your loyalty reward today.