Personal Checking Accounts

Economy Checking

• 10 cents per check or transfer, plus $5 basic monthly charge if the account balance falls below $300
• Unlimited withdrawals
• Monthly imaged statements provided

NOW Accounts

• Minimum balance $750, if balance falls below a fee of $5 will be charged - fee assessed monthly if balance falls below minimum
• Interest paid on average daily balance compounded monthly
• Monthly imaged statements provided
• Unlimited withdrawals

Super NOW Accounts

• Minimum balance $7,500 required -- N/C
• If balance falls below $7,500, a fee of $7.50 will be charged - fee assessed monthly if balance falls below minimum
• Interest paid on the average daily balance compounded monthly
• Monthly imaged statements provided
• Unlimited withdrawals

Silver "55"

• Must be 55 years of age
• No minimum balance required
• A $3 monthly service charge if balance falls below $300
• 10% discount on personalized checks
• No charge for money orders (limit 3)
• No charge for notary service
• No charge for travelers cheques
• Unlimited withdrawals
• Monthly imaged statements provided
• Direct Deposit available (no charge for soc sec)
• No charge for photocopies (limit 10 per visit)

Silver Classic "55"

• Must be 55 years of age
• Minimum balance $750, if balance falls below a fee of $5 will be charged
• Interest paid on an average daily balance compounded monthly
• 10% discount on personalized checks
• No charge for money orders (limit 3)
• No charge for notary service
• No charge for travelers cheques
• No charge for photocopies (limit 10 per month)
• Unlimited withdrawals
• Monthly imaged statements provided
• Direct Deposit available (no charge for soc sec)

Heartland Club

• Interest paid on average daily balance compounded monthly
• Interest earned when your average balance is $1,000 or more
• A fee of $11 will be charged if balance falls below $100
• Unlimited withdrawals
• First order of variety checks (50) no charge or 25% off other selected check styles - first time only
• Accidental death insurance - $5,000
• Credit card protection
• Mastercard or Visa - no annual fee
• Emergency cash advance service
• No charge notary service
• Key ring and registration service
• Direct Deposit of soc sec and payroll checks - no charge
• Magazine subscription
• Nationwide discount program
• Photocopy service (limit 10 per visit)
• Automatic transfer to savings available
• IRA available
• Bank-by-mail available

Heartland Club Plus

• Interest paid on average daily balance compounded monthly
• Interest earned when your average balance is $500 or more
• A monthly fee of $9 will be charged (55 & over $7)
• First order of personalized checks (special) at no cost - subsequent orders $5 discount
• Unlimited withdrawals
• Accidental death insurance - $10,000
• Credit card protection
• Mastercard or Visa - no annual fee
• Emergency cash advance service
• No charge notary service
• Key ring and registration service
• Direct Deposit of sec sec & payroll checks - no charge
• Magazine subscription
• IRA available
• Nationwide discount program
• Photocopy service (limit 10 per visit)
• Automatic transfer to savings available
• Bank-by-mail available
• No charge travelers cheques, cashier's checks and money orders (limit 5 per month)
• Safe deposit box no fee for one year
• Preferred rate on new consumer installment loan
• Stop payments 1/2 off regular fee
• Overdraft protection
• Everyday rebate rewards 800-251-2311