Protect your phone — and your finances

Your phone is essential. So is protecting it.

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With a Beyond Spending account from Heartland Credit Union, you get more than just checking. You get peace of mind with cell phone protection built right in—plus a suite of perks that help you spend smarter and live better.

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Cell phone protection that goes beyond

If your phone is damaged or stolen, we've got you covered:

  • Up to $1,000 per claim and $2,000 per year in reimbursement
  • Covers your primary phone and up to two secondary phones
  • Just a $50 co-pay per claim
  • Two claims allowed per 12-month period
  • Coverage begins the month after you pay your phone bill using your Beyond account

To stay protected:
Just pay your monthly cell phone bill from your Beyond Spending account. That’s it.

Features to make life a little easier

Every Beyond Spending account comes with all the features you’d expect from a traditional checking account, like a free HCU Visa Debit Card, Digital Banking, Overdraft Protection, and Early Payday. Beyond account holders also earn a discount on HCU Personal and Auto loans!

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Overdraft Protection with low $9 fees with every HCU spending account.

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Get access to your direct deposit funds up to 2 days early, and stay ahead of the budgeting game.

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With the Co-op ATM network, you'll have access to over 30,000 free ATMs wherever you travel.  

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Change is Good will round up your debit card purchase and place the excess amount directly into savings.

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Open a Beyond Ultimate or Essential account, download the Bazing app, and start saving today.

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Frequently Asked Questions About Spending Accounts

A Spending account is the new Checking account. In today’s world, members are using debit cards, mobile wallets, and other forms of payments to purchase items and pay bills. With fewer checks being used, Spending account more accurately describes the account.

Other Spending Accounts

If you're looking for a Spending account for your child under the age of 19, or an account that can help you rebuild your financial picture, we have you covered!

Other Spending Accounts

If you're looking for a Spending account for your child under the age of 19, or an account that can help you rebuild your financial picture, we have you covered!

Have an HCU representative contact you about a Beyond Spending 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, Kansas.

*Membership Required. 2.00% with an Annual Percentage yield of 2.02% on balances from $0 to $5,000, .35% with an APY of .35% on balances from $5,000.01 to $10,000, .20% with an APY of .20% on balances from $10,000.01 to $25,000, and .10% with an APY of .10% on balances greater than $25,000 for the current dividend period. 1Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. 2Subject to the terms and conditions detailed in the Guide to Benefits. 3Insurance products are: NOT A DEPOSIT. NOT NCUA-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE CREDIT UNION. 4Requires activation.