Treasury Management Services
Maximize the daily management of your cash flow and minimize the stress of financial decisions.
Treasury Management Services
Maximize the daily management of your cash flow and minimize the stress of financial decisions.
Business Online Banking
ACH origination, account reconciliation and more mission-critical financial tools on demand.
Make informed decisions wherever business takes you with a well-stocked toolbox of powerful business banking functions.
Business Mobile Banking
Free and easy access to secure, full-service business banking at your fingertips.
Get the best of our business online banking suite on your smartphone, tablet or other mobile device of choice.
Desktop Express Banking
Deposit checks safely and securely, directly from your place of business.
Save time, money and last-minute trips to the bank. Make daily check deposits right from your desktop with a check scanning machine.1
Image Lockbox®
A service that collects and processes payments to your company, while creating digital copies of all payments and reports.
Allow Heartland Bank, a division of German American Bank's digital Image Lockbox services to scan check payments remotely, then let this multitasking automated system do the rest – retrieving, processing and depositing funds in your account daily.2 Need to view deposits and make transfers on the same day? Get it done online with time to spare.
Automated Money Management
Maximize investment opportunities or minimize outstanding balances on your business lines of credit1.
Use Line Sweep to help manage daily borrowing needs and reduce interest expenses. Use Zero Balance Sweep to maintain a zero balance in your master account and keep account activity separate for accounting purposes.
Transaction Management System (TMS)
Powerful fraud prevention laser-focused on transaction management.
Heartland Bank, a division of German American Bank's TMS rolls three powerful fraud prevention tools into one digital tool dedicated to transaction management. Check Positive Pay2 lets you monitor check transactions for unauthorized or fraudulent activity. ACH Positive Pay2 defines ACH business rules at the account level and determines if a transaction posted to the account warrants further review. Account Reconciliation provides options for account reconcilement from a full online reconcilement statement to a downloadable file.
Merchant Card Services
Let customers pay the safe and easy way – credit cards and check cards.
Improve cash flow, minimize your collections risk and better serve your customers, all while meeting stringent security standards to protect cardholder data.
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Build wealth and keep it with financial advisement you can trust. Protect your financial future with a solid plan and an experienced financial planner.
Investment Products are not insured by the FDIC, are not deposits, and may lose value.
Make a smart move with your auto finance, home improvement, debt consolidation and more. Explore our consumer loan options.
Find the best business checking account for your balance levels and transaction patterns. Leverage the benefits of banking with us.
"Best banking experience for a business I’ve ever had, feels very comfortable & the bankers are so kind. They always make me feel so welcomed, and they always have me in and out quickly! Love it here!"
1Approval required. Other fees may apply.
2Other fees may apply.
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© 2025 Heartland Bank . All rights Reserved
Routing Number #:
German American Bank - 083904563
Heartland Bank, a Division of German American Bank - 044109336
© 2025 Heartland Bank . All rights Reserved