



Go Beyond Banking for a Chance to Win Big!
At Heartland Credit Union, we’re turning everyday spending into something extraordinary. With our Spend and Win giveaway, one lucky member will win $5,000, and two runners-up will each score $500*—just for opening a Beyond Spending account or using your HCU Debit Card with a Beyond account!
Enter to Win January 13, 2025 - February 28, 2025

Open a Beyond Spending Account
Simply opening a Beyond account gets you one automatic entry. Find the right account for you below and open an account online!

Use Your HCU Debit Card
Earn one entry for every purchase you make using your HCU Consumer Debit Card with your Beyond Spending account. The more you use your card, the more chances you have to win!

Find the Beyond Spending account that's right for you and open an account today!
Heartland Credit Union’s Beyond Spending accounts will change how you think about your checking account. Whether you’re looking to maximize your returns, enjoy money-saving perks, or simply manage your everyday spending with ease, our Beyond Spending accounts offer a range of options to fit your unique financial needs.
Beyond Essential
Receive up to $1,000 per claim ($2,000 per year) if your cell phone is broken or stolen.
Available 24/7 and free to use, up to $80 in covered service charges.
Receive reimbursement for canceled or interrupted trips when you purchase the entire trip from your Beyond Spending account.
Access your account anytime from your computer, tablet, or smartphone. Check balances, make transfers, pay bills, and more.
$6/Month
Only $6 per month.
Most Popular
Beyond Ultimate
Our best spending account rate. Earn dividends with no minimum balance.
Save money on prescriptions, eye exams, frames, lenses and hearing services.
$10/Month
Maintain a $2,500 minimum balance, and we'll waive the $10 monthly fee.
Beyond Freedom
Access your account anytime from your computer, tablet, or smartphone. Check balances, make transfers, pay bills, and more.