Here are some of our most frequently asked questions. If you need further assistance, please contact us.

Our routing number is 242277882. If you are having funds put in or taken out of a checking account, be sure to include your check digit at the end of your account number.

Yes, we will consider an applicant’s credit history when making a decision on a loan application. If you are having trouble or are unsure about your credit history, talk to one of our Certified Financial Counselors for help.

Becoming a member at Heartland FCU is easy. Simply go to our online account opening site and in about 5 minutes you’ll be a member!

To ensure seamless direct deposits or automatic withdrawals from your account, be sure you are using the correct account number and routing number [242277882]. For a checking account, read the MICR line off your check book. If you are unsure feel free to contact or call us at 937.294.1991. Learn more.

We have a form called “Written Statement under Penalty of Perjury” and upon completion by you (the member) the Credit Union now has the authorization to return the ACH withdrawal as either an “Unauthorized Withdrawal” or “Revoked Authorization”, and redeposit the amount back into the account it was drawn from. Call 937.294.1991 for more information.

Click the links below to visit other FAQs.

It’sMe247 Online Banking, Mobile Banking, and Bill Pay

TruStage Insurance


Debit Cards

HELPING ... PROTECTING ... INFORMING - COVID-19 Update: Emergency financial assistance is available for members. Branch lobbies are open. Some Shared Branch locations may not be available. If you would like to make an appointment, click to our COVID-19 Resource Page.Learn more about our response to COVID-19
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