Checking that Works for You
Banking solutions to fit your needs.
Rewards Checking
At Heartland, we provide banking solutions to make your life easier. With features like Early Payday, instant-issue debit cards, and low $5 overdraft fees, our checking accounts help take the stress out of managing your finances. We’ll help you choose the checking account that makes the most of your money: Earn cash back when you use your debit card with Rewards Cash Back Checking or earn dividends on any balance with Rewards Dividend Checking. It's all about finding the right solution for you.
Dedicated to helping our members.
It's the Heartland Way
"I'm so glad I found Heartland!"
- Kate S.
Member since 2020
- Kate S.
Member since 2020
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
- Overdraft Protection to save you from unnecessary fees
- Free HCU Visa debit card
- 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
- Overdraft Protection to save you from unnecessary fees
- Free HCU Visa debit card
- Free transactions at over 30,000 ATMs nationwide
Have an HCU representative contact you about a Rewards checking account.
Or call 800.428.8472 to speak to a member of our team.
You can always stop by one of our 9 branches in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita.
Related Products and Services
HCU Digital Banking
Manage your finances from home or on the go with the HCU Digital Banking app.
Money Market
A high-yield savings account to help your money grow faster. Your rate increases as your balance grows.
Overdraft Protection
Providing protection for your account when you need it, along with low fees that won't leave you out in the rain.
*Earn $.05 cash back for every debit card transaction over $10. Must use your debit card 15 times per month and have eStatements to earn cash back. Maximum cash back amount is $5 per month. **Annual percentage yield .05% for balances up to $2,499, .20% for balances $2,500 - $49,999 and .50% on balances of $50,000 and greater. Rates effective 5/5/2023 and are subject to change. ^A one time Volume Tier Bump gives the member the next highest interest rate based on dollar volume of the certificate of deposit.
