Checking Accounts
At Heartland, we’re here to help better your life with a checking account that works for the way you live. That starts by getting to know you. With features like Early Payday, instant-issue debit cards, and low overdraft fees, our checking accounts are designed to meet you where you are. We’ll help you choose the checking account that fits your needs. Earn cash back when you use your debit card with Rewards Cash Back Checking or earn dividends on any balance with Rewards Dividend Checking. Just starting out? You can also earn cash back with Gateway Checking plus bonuses for good grades. It's all about finding the right solution for you.
Dedicated to helping our members.
It's the Heartland Way
- Randy and Debbie J.,
Members since 2002
Rewards Cash Back Checking
- Totally free checking with no minimum balance
- Earn cash back when you use your debit card*
- Early Payday let you access direct deposits up to 2 days early
- Change is Good will automatically round up your debit card purchase and place the excess amount directly into savings
- Overdraft Protection to save you from unnecessary fees
- Free HCU Visa debit card with Tap to Pay
- Free transactions at over 30,000 ATMs nationwide
Rewards Dividend Checking
- Dividends paid monthly**
- Earn better interest on HCU Certificates^
- Early Payday lets you access direct deposits up to 2 days early
- Change is Good will automatically round up your debit card purchase and place the excess amount directly into savings
- Overdraft Protection to save you from unnecessary fees
- Free HCU Visa debit card with Tap to Pay
- Free transactions at over 30,000 ATMs nationwide
Gateway Checking
- For members under the age of 19
- No minimum balance
- Free HCU Visa debit card with Tap to Pay
- Earn cash back on debit card purchases over $10*
- Access direct deposit funds up to 2 days early
- Free access to over 30,000 ATMs nationwide
- InstaCheck mobile check deposit
- Share Transfer Overdraft Protection† for the exact amount of the overdraft from your HCU savings account
- Free unlimited HCU BillPay
- Free check cashing
Have an HCU representative contact you about an HCU checking account.
Or call 800.428.8472 to speak to a member of our team.
Related Products and Services
Smart Start Savings
Money Market
Overdraft Protection
More Reasons Why Our Members Love The Heartland Way
- Kate S.
Member since 2020
- Kari W.
Member since 1987