Online Banking

Home PersonalChecking Accounts

Checking Accounts

Manage your checking with Heartland Bank and unlock valuable benefits and $MART decision-making tools.

Compare Accounts

If it matters to you what a checking account offers, it matters to us. Perks? Interest? Low fees? Check.

Features
Monthly Maintenance Fee
Minimum Opening Deposit
Minimum Monthly Balance
Interest-Bearing Checking Account
Online Banking
ShieldPerks powered by BaZing Benefits
Mobile Banking
Free Pure Personality Check Card ($10 value)
Check Card
Card Control App
Fee-free In-network ATMs with Allpoint
eStatements

- $7
- $100
- None
- N/A
- - Local and national network of savings
  - Cell phone protection**
  - ID Theft Aid**
  - Roadside assistance
  - $10,000 Travel Accidental Death Insurance**
  - Pharmacy, Vision and Hearing Savings
  - BaZing Fuel
  - Billshark
- When you order your card within 48 hours of opening your checking account (or $10 fee applies)
- 55,000+ ATMs worldwide
- Learn More**
- $12 (waived if monthly minimum balance is maintained)
- $100
- $5,000
- - Local and national network of savings
  - Cell phone protection**
  - ID Theft Aid**
  - Roadside assistance
  - $10,000 Travel Accidental Death Insurance**
  - Pharmacy, Vision and Hearing Savings
  - BaZing Fuel
  - Billshark
- When you order your card within 48 hours of opening your checking account (or $10 fee applies)
- 55,000+ ATMs worldwide
- Learn More**
- $3 (waived with eStatements)
- $100
- None
- N/A
- - Local and national network of savings
- N/A
- 55,000+ ATMs worldwide
- Learn More**

Looking for a student checking account?

Find what you're looking for, plus mobile conveniences to fit a student's go-go-go lifestyle with our $MART Checking or e-$MART Checking accounts.

Learn More about Student Checking

FAQs

Your questions about opening a checking account, answered.

View All FAQs

Opening a personal checking or savings account is simple. Just bring the following information to any of our convenient local bank offices.

Government-issued identification (e.g., driver’s license)
U.S. Taxpayer Identification Number (TIN)
U.S. citizenship or resident alien status
Information for accounts you'd like to close at other banks and move to German American Bank or Heartland Bank, a division of German American Bank

The short answer: It depends.

If you're funding the account using automatic transfer or funds transferred from a non- German American Bank or non-Heartland Bank, a division of German American Bank checking or savings account and the account is successfully opened prior to 5 p.m. ET, funds will be available the next business day. If the account is successfully opened at 5 p.m. ET or after, funds will be available in two business days.

If you're funding the account using a credit card or non-German American Bank or non-Heartland Bank, a division of German American Bank debit card and the account is successfully opened prior to 5 p.m. ET, funds will be available in two business days. If the account is successfully opened at 5 p.m. ET or after, funds will be available in three business days.

You'll be able to see accounts opened online in our online banking and our mobile banking app within one business day.

Helpful Links

Helpful Links

Helpful Links

Helpful Links

Checking Accounts