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HEARTLAND Interest Plus Checking Account

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It really does pay...

Earn: Bonus Rate 3.00%* APY On Balances from $0 - $15,000.99

It truly pays to open a new Interest Plus Checking Account at Heartland. The Interest Plus Checking account is designed to pay a high interest rate on account balances from $0 - $15,000.99 and offers free ATMs Nationwide. To earn the Bonus Rate, you must perform the following each cycle:

  • Have at least 10 Check Card transactions post and clear per monthly qualification cycle
  • Receive a monthly Electronic Statement***
  • Have at least one Automatic Payment or Direct Deposit post and clear per monthly qualification cycle
  • Access Online Banking Monthly

Privileges received from Interest Plus Checking:

  • Free ATM's Nationwide**
  • Write as many checks each month without a per-check charge.
  • Earn high-interest yields on your account
  • No minimum balance
  • No service charge
  • Overdraft privilege available
  • Free ATM or Visa check card
  • Telephone Banking
  • Free Internet Banking
* 3.00% Annual Percentage Yield (APY) paid on balances between 0.00 and $15,000.99, and 1.01% APY paid on all amounts above $15,000.99 each monthly qualification cycle when the minimum requirements are met. If you do not meet the requirements during a given cycle, you will earn the Base Rate of 0.05% APY. Rates accurate as of July 14, 2011. We may change the interest rate and APY at any time after the account is opened. Fees could reduce earnings on the account. No minimum balance required. However, you must deposit a minimum of $100 to open this account. Available to personal accounts only. No monthly service charge. If you do not meet the requirements per cycle, your account will still function as a free checking account earning the Base Rate, however, it will not receive ATM Refunds for that time period. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. Limit one account per social security number.
** Unlimited ATM refunds if requirements are met.
*** Electronic Statement Enrollment is Required. A monthly charge of $5.00 if account is not enrolled in electronic statements