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.

Yes, members can still order checks and have unlimited check writing capabilities.

Yes, there are ways to have the fee waived on Ultimate and Freedom Spending accounts.

• Ultimate
  • Maintain a balance of $2,500 in your account
• Freedom
  • Fee can be waived by using your HCU debit card for purchases 15 times per month or your HCU credit card for purchases 15 times per month.
    • Using your HCU debit card 10 times per month and your HCU credit card 5 times per month will NOT result in the fee being waived.
  • Fee is waived for members under the age of 24 and members over the age of 65

In order to open a new Beyond Spending account, you’ll need:

• Two forms of ID, including at least one valid government ID
• Your social security number
• An opening deposit of $25 or more to fund your Prime Share account

Yes, you can! We want to make opening a Beyond Spending account as easy as possible. You can open a membership with Heartland in less than three minutes and add your Beyond Spending account at the same time. You can even fund your account online.

After you’ve opened your account, we’ll even help you sign up for HCU Digital Banking so you can access your account anywhere.

Yes, we offer a low overdraft fee of just $9, as well as Overdraft Lines of Credit and Share Transfers that can lower your fees even more. Learn more about Overdraft Protection.

Enrolling in eStatements is easy. First, log in to HCU Digital Banking, click on Accounts at the top of the page, then eDocs, and follow the prompts.

No, there is no minimum balance requirement to have the account. However, you can avoid the monthly servicing fee on the Beyond Ultimate account by maintaining a $2,500 balance.

Yes. Not only does having both accounts make managing your finances easier, but your Prime Share Savings account acts as your ownership share of the credit union.

• Savings accounts are meant for saving money, not spending. Use your Prime Share Savings account to help you set aside money for emergencies and reach savings goals.
• A Beyond Spending account is used for paying everyday expenses and purchases. You can access your funds with your free HCU Visa debit card by writing a check, through ACH, transfers within HCU Digital Banking, or by making a ATM withdrawal.

Heartland Credit Union’s Beyond Ultimate and Beyond Essential Spending accounts come packed with valuable perks designed to help you save money, protect what matters, and enjoy greater peace of mind. Whether you're looking for travel protection, identity theft support, or everyday savings, the Beyond perks offer a wide range of benefits that go far beyond traditional checking.

Cell Phone Protection2,3 — up to $1,000 per claim (max $2,000/year) when you pay your bill with the account.

Health Savings Card — save on prescriptions, eye exams, frames, lenses, and hearing services.

Buyer’s Protection & Extended Warranty2,3 — covers theft or accidental damage within 90 days of purchase.

Billshark Service4 — experts negotiate or cancel unwanted bills and subscriptions on your behalf.

Trip Cancellation & Interruption2 — reimbursement when trips are canceled or interrupted (if paid with the account).

Shop Local, Save Local1 — access to local discounts and national retailer deals.

Roadside Assistance — 24/7 coverage for up to $80 in service charges.

ID Theft Aid2,3,4, including:

• Up to $5,000 reimbursement for identity restoration expenses.
• Identity restoration and payment card resolution support.
• Credit monitoring and quarterly credit reports.
• Dark web and identity monitoring.

Pet Insurance4 — preferred rates, free ID tags, 24/7 virtual vet access, pet prescriptions, and more.

Yes. Beyond Freedom is great for those who want essential digital banking tools with a low monthly fee. At just $4/month (waived with 15 debit or credit card transactions), it’s especially appealing to members aged 19–23 or 65+, who get the fee waived automatically. It’s a simple, flexible option for managing money on the go.