Upcoming Maintenance

Due to maintenance, HCU Digital Banking will be unavailable on Sunday, May 18th from 12am-6am, Central.

Renew Spending

Renew Spending is designed for those who have hit a bump in the road and are learning how to navigate a checking/spending 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.

Renew Spending 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)