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Debit Cards

Service and hospitality from your hometown bank that knows you by name. Worldwide access to cash. The MasterCard Debit Card allows you access to ATM machines and use it like a check anywhere MasterCard is accepted.

Visa Credit Cards

Are you tired of the run around you get when you want information on your credit card? Tired of astronomical interest rates? Get the convenience of a Visa credit card from your hometown bank. We can answer all your questions and take your payments right at Heartland State Bank where we know you by name, not by number.

Direct Deposit

If you want to make sure that your paycheck or government payments make it into your account on time, you can have it directly deposited to your account at Heartland State Bank. No more trudging up to the post office in a blizzard. This also works well for our customers working away from home, you don’t have to wait for the mail to reach us before the money is in your account.

Safe Deposit Boxes

A Safe Deposit Box is a secure place to store your valuables. We offer Safe Deposit Boxes for rent in both our Edgeley and Kulm branches. Rental fees below are annual.

  • 3 x 5 Box – $20.00
  • 3 x 10 Box – $25.00
  • 5 x 10 Box – $50.00
  • 10 x 10 Box – $100.00

Safe Deposit Box contents are not FDIC Insured and are not covered by Heartland State Bank’s insurance policy.

Night Depository and Drive Up Teller

If you have trouble making it to the bank during working hours, you have more options than ever. In addition to access to the ATM networks, you can make deposits at our night depositories at both our Edgeley and Kulm locations.

Internet Banking

Bank from the convenience of your home with our Internet Banking. View your account balances and history, view check images, make transfers between your accounts, download transaction information into your finance program and much more all via the Internet. To sign up, you can call us or simply auto-enroll yourself. Worldwide service and hometown smiles, all from Heartland State Bank.

Online Statements

Tired of waiting for your paper statements to arrive in the mail? Go paperless and sign up for Online Statements to view your statements and images online as soon as they are cut.


Access to cash, balance inquiries and the ability to transfer funds from one account to another, free of charge at any of our ATM locations. We have ATMs located at the Allied Energy Convenience Store and Hakuna Matata in Edgeley, the drive up lane at the Kulm branch of Heartland State Bank, the Kulm Civic & Improvement Association and you also have free access to the ATM located in the Cenex Convenience Store in Ellendale.

Mobile Banking

Heartland State Bank is proud to offer a mobile banking app that can be used on mobile phones as well as tablets. HSB Mobile is a state of the art, user friendly banking application that allows Heartland State Bank customers to access their accounts as well as initiate transactions and much more right from their mobile device.

Mobile Deposit

As an option, inside of the HSB Mobile App, you can deposit checks with your smartphone’s camera! Simply login to the App and follow the simple instructions to deposit your checks.

Bill Pay

Simplify your life with convenience. When you sign up for online Bill Pay, you can spend less time managing your finances. Pay your bills all in one place from your computer or smartphone!

Mobile Wallet

Safe. Easy. Fast. Add your Heartland State Bank cards to your mobile device and leave the plastic at home. Make in-store payments using your smartphone or smartwatch!

Person to Person Payments (P2P)

Instantly send money to another person via your HSB Mobile App on your smart phone or Digital Banking Login from your computer!