person writing on a blank check

Checking


Heartland State Bank offers a variety of deposit accounts designed to fill your needs. All depositors are protected up to $250,000 by the FDIC.

With all of our accounts, we offer images of your checks. Access these accounts at ATMs or online via Internet Banking and make purchases anywhere MasterCard is accepted. We offer accurate and dependable service from the bank that truly believes in hometown banking with our neighbors and friends.


INCLUDED WITH LIBERTY CHECKING ACCOUNT:

  • NO MINIMUM BALANCE
  • NO MONTHLY SERVICE CHARGE*
  • MINIMUM OPENING DEPOSIT OF ONLY $5
  • STARTER CHECKS WHEN OPENING A NEW ACCOUNT
  • STANDARD DEBIT CARD
  • NO TERMINAL FEES AT HEARTLAND STATE BANK ATMS
  • INTERNET BANKING**
  • ONLINE STATEMENTS (E-STATEMENTS)**

*No maintenance or activity fees. Other fees may apply.
** Internet service and mobile carrier provider fees may apply.

Liberty Checking

This account is available to all of our customers. It has no monthly maintenance charges and no per check charges with no minimum balance.

NOW Account

This is an interest bearing checking account that pays a competitive interest rate with a low minimum balance of only $850. There are no monthly fees or per check charges unless your account falls below the minimum balance when a $6.00/month fee is charged.

Super NOW Account

This account pays a higher rate of interest with a minimum balance of $2,500. There are no monthly fees or per check charges unless your account falls below the minimum balance when a $6.00/month fee is charged.

Rates effective as of June 20, 2017

Rates are subject to change.
Member Federal Deposit Insurance Corporation

CHECKING TYPESMINIMUM BALANCE TO OBTAIN APYMINIMUM BALANCE TO OPENINTEREST RATEAPY
Liberty Checking*N/A$5.00 N/AN/A
NOW$0.01 $850.00 0.03%0.03%
Super NOW$0.01 $2,500.000.05%0.05%

*This is a non-interest bearing checking account.

On all Checking, Savings and MMDA Accounts the interest rate and annual percentage yield (APY) may change after account opening. Fees could reduce the earnings on the account. For current rate information call (701) 493-2817.