Yes. There are no restrictions on cell phone carriers.

Yes. If your mobile device is set up with SMS text message service, you can still interact with Mobile Banking through text messages.

Yes. Mobile Banking uses the same multi-factor authentication security as your Online Banking account. You will be asked to answer one of your Online Banking security questions every time you log in to Mobile Banking because most cellphone browsers can’t store cookies.

Yes. Transfers made via Mobile Banking are immediate.
 

Please email us at info@heartland.bank or call Client Services at 1-800-697-0049.

Deposits made via our mobile app are protected according to the highest financial industry standards. Security features include password protection, multi-factor authentication, internet firewalls and 128 bit encryption. Making a deposit with your phone is as safe as using Online Banking.

• Choose Deposit from the menu listing
• Choose Deposit Check on the screen
• Select the account into which you want to deposit the check
• Enter the amount of your check
• Endorse the back of your check with your signature, For Mobile Deposit Only and Heartland Bank.
• Snap pictures of the front and back of your check
• Choose Make Deposit and you will receive an onscreen confirmation that your check was deposited successfully

Acceptable cut-off times for Heartland Mobile Deposit are Monday-Friday at 5:00 pm.

• Folded or torn corners
• Front image is not legible
• Routing and account numbers are unclear
• Image is too light or too dark

Text Banking's text message service requires each account in Online/Mobile Banking to have a nickname.  If you have not named your accounts, you will need to in order to use this service. When creating nicknames in Online/Mobile Banking, use only FOUR characters.

No.  Whether you text BAL or bal, you will receive a response with your account balance information.

Confirm that you sent your request to 226563.  Be sure to check keywords and any additional information required (nickname, command, etc.).

Yes. CardValet works with the most recent mobile operating software as well as two past generations of Android and iPhone devices.

Yes, the Card Details screen displays the Card Status.

No, CardValet currently supports debit and credit cards.

The app automatically logs you off in 10 minutes.

Names are displayed as your last name then first name (e.g. SMITH JOHN.)

Heartland Bank does not use tokens, so when you request a reset, you will receive an email with a temporary password.

We are currently not able to display these fields.

In the event that you do not have an email or SSN on your cardholder record, you will be requested to perform a PIN-based transaction. The amount entered is compared to your historical transaction data. The PIN-based transaction may be performed at an ATM or by making a purchase.

Yes, you can register multiple cards within a single CardValet app. Additional cards can be added within the “Manage Portfolio - Add Card” screen. Only the standard Heartland Bank card design will appear.

There is no limit.

Each person who registers a card will have access to controls and alerts for the card. In many cases, the child will not know about CardValet unless you share the information.

You must create a unique login account for each financial institution. Each login account is applicable for a single financial institution. On the login page, the logo of the last logged-in financial institution appears.

You should enter the first 20 characters of the street address.

Yes. If the card number is new, then you must “add” the new card number to your profile. In addition, you may delete the old card by accessing Settings > Manage Portfolio.

You need to enter the same level of detail entered for the original card. This information generally includes the card number, address, ZIP code, expiration date, and CVV/CVC code. Secondary authentication includes: security token sent in an email, last 4 digits of your social security number, or a PIN’d transaction amount performed in the past 72 hours. Multiple individuals can register the same card as long as you know the card details. Typical examples of multiple individuals registering one card include: parents and dependents; spouses; and employers/employees.

The primary device is used to track the GPS for “My Location” alerts and controls and all merchant and threshold alerts will be sent to the primary device. All devices that have registered a particular card can view or change the CardValet settings for that card. Controls (including the “On/Off” setting) are set at the card level, so the last update to a control will be honored regardless of which phone was used to make the change. Alerts are set at the device level, so each primary device will receive alerts that were set up from that particular device. The primary device can be re-set by accessing “Settings - Primary Device.”

The region shows the approximate area where the card can be used. CardValet can typically map the transaction down to a zip code or city. If the city or zip code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a zip code or city, in which case CardValet will default to a state-level match.

CardValet alerts are sent as push notifications to your phone. The alerts also display under “Messages” in the CardValet app.

My Location is only effective for the enrolled user. To limit your dependent’s card, you can use the Region feature to set usage preferences for where the card can be used. Set location preference to “Region” in the drop down menu, then “Add” a “New Region” to set the map to the area where the card may be used.

Yes. International transactions can be blocked using the “International” location control. Transactions will be limited to the United States.

Specific merchant types have been created within CardValet, and these merchant types can be used for controls or alerts via the “Alert Preferences” or “Control Preferences” screen. Each of the merchant types contains various merchant category codes (MCC). Please note that it is possible for a retailer to forward a MCC that may differ from the CardValet merchant type classification. Merchant types currently supported include: Department Store; Entertainment; Gas Station; Grocery; Household; Personal Care; Restaurant; Travel; and Others.

The low balance alert is controlled on a cardholder level. It cannot be turned off by client/card prefix.

You can set the “Do Not Disturb” time that will suppress notifications during the set times. Some notifications will still be delivered, for example any transaction denial or any transaction that is a card-present authorization.

Control settings take effect as soon as the “Updating information” message in the app stops.

No, the alerts are consolidated into one message. For example, if the message has violated “Threshold” and Location settings, then you will see only one alert and not multiple alerts.

CardValet ignores location information that is more than one (1) hour old. So, if your phone is off for more than an hour, My Location controls will not take effect, and the transaction will not be denied on the basis of the old location information.

Yes, an alert is generated regardless of whether or not a control preference is set.

The My Location controls and alerts will check to ensure the merchant location is within a five (5) mile radius of the device set as “primary” within CardValet. These controls impact “card present” transactions only, therefore internet transactions are not impacted.

CardValet performs a proximity check at the granularity of zip code or city, so if the merchant is close to home, the transactions will still go through.

CardValet updates the balance under two conditions: (a) when you log into CardValet and (b) when you tap “Refresh.” Even if the balance has fallen below the threshold that you set, it is only updated when you log into the app or tap “Refresh,” which then triggers the alert.

Previously authorized recurrent payments will continue to process and will bypass the CardValet edit checks.

There are some merchant types where a merchant will pre-authorize the card for an amount that may be larger than the actual transaction amount. In this instance, the pre-authorization amount must meet the threshold spend limit.

CardValet controls are only invoked during authorization of a transaction. In some cases, such as Gas Stations, a card may be tested for validity by doing a $1 pre-authorization, and the actual transaction amount is charged to the card after the transaction. Some gas stations will pre-authorize for a maximum amount, e.g. $126, and some gas stations will check validating, e.g. $1. In the latter case, the actual transaction amount may exceed the limit, while in the former case, an authorization may be denied.

Yes, the app shows the last 50 card-based transactions posted within the last 30 days.

CardValet only shows the transactions that are performed with your card. It does not show the transactions that are done on the account without using your card, such as teller transactions or bill pay on an account.

When you log on to the CardValet app, a Balance Inquiry transaction is performed to retrieve and display the balance. A balance inquiry is performed on every account listed in the cardholder record. The app will not initiate more than one balance inquiry within 30 minutes even if you press the Refresh button.

Your balance will be updated to reflect teller transactions if the account processor supplies the updated balance. The balance is updated the next time you log into CardValet.