We’ll help you make the most of your public funds, and provide great access and service, too.

Public Funds Checking

We offer two checking account options to best access and manage your public funds. With each account you get:

• FREE Debit Card
• 500 FREE monthly transaction items, only $0.25 each thereafter*

Public Funds Checking

Keep it simple and straightforward with a Public Funds Checking account. In addition to your free debit card and 500 monthly transactions, you’ll enjoy access with:

• No minimum balance, and
• No monthly service charge

Or, set up a Public Funds Checking with Interest and you’ll enjoy a free debit card and 500 monthly transactions along with:

• Competitive interest
• Low $8 monthly fee for balances below $5,000

Public Funds Commercial Checking

If you have a lot of transactions or the need to manage higher balances, the Public Funds Commercial Checking account is a better fit. You’ll receive a free debit card, and more.

• Earnings credit allowance may offset activity fees
• Low $12 monthly service charge
• Transaction items for just $0.15 each*

Public Funds Savings, CDs and Investments

If the funds don’t need to be moved right away, consider a Heartland Bank Public Fund Savings account, CDs, or investments. Our knowledgeable Treasury Management team is ready to fill you in on all the details.

* Transaction items include all debits and credits. Deposit up to $10,000 in currency per month FREE. Includes coin and currency. Just $1.50 per $1,000 deposited over $10,000.