Checking

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 Bankingthinkheartland.com
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.

Heartland FCU and Affinia FCU Merger Announcements


Heartland Online will be available on Sunday, March 1 by 2 pm. Bill pay will be available Monday, March 2 by 4 pm. 

To find a Shared Branch or ATM please visit our interactive map.

Click here for our FAQ page