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The path to better financial health.

A Renew checking account can give you a second chance.

Renew Checking

Renew checking is designed for those who have hit a bump in the road and are learning how to navigate a checking account and build good credit habits. A personal account coach provides you financial education and reviews your progress to help guide you towards the next level. When you're ready to advance, Rewards are waiting for you.

Get access to your direct deposit funds up to 2 days early, allowing you to stay ahead of the budgeting game.
Work with a personal account coach to create a spending plan and build good financial habits.  With just a little patience and determination we’ll help you experience financial well-being.
A financial safety net with low fees that won’t break the bank. Included with every HCU Renew checking account.

Renew checking account features


  • Online and mobile banking at no extra charge
  • Build your confidence with Heartland’s ongoing follow-up support
  • Paperless checking. Money orders or cashier’s checks are available if needed
  • Competitive monthly service charge of $5
  • Limited overdraft protection
  • Access to InstaCheck and ATM check deposits after 48 hours
  • Spend up to $1,000 per transaction
  • Withdraw up to $1,000 daily ($2,500 max per month)