Do I have to be a current member to open a Beyond account?

No. Opening a Beyond Spending account is how most new members join Heartland. You can open both your membership and your Beyond account online in under three minutes. You'll need a government-issued ID, your Social Security number, and a $25 opening deposit for your Prime Share Savings account.

Can the monthly fee be waived?

Yes, there are ways to have the fee waived on Ultimate and Freedom Spending accounts. For Beyond Ultimate, maintain a balance of $2,500. For Beyond Freedom, use your HCU debit card or credit card for purchases 15 times per month, or the fee is automatically waived for members under 24 or over 65.

What's included in the cell phone protection?

Every Beyond account includes cell phone protection with up to $1,000 per claim and $2,000 per year in reimbursement, with a $50 co-pay per claim. Just pay your monthly cell phone bill from your Beyond account to activate coverage.

What travel benefits are included?

Beyond Ultimate includes trip cancellation and interruption coverage and 24/7 roadside assistance, automatically activated when you pay for travel using your account.

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Beyond Spending

A checking account that goes beyond.

Beyond Spending accounts do more than hold your money. Choose your tier and get access to perks like cell phone protection, travel coverage, local deals, and dividends.

Open your account

Perks vary by tier. See what's included.

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40,000+ members

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NCUA insured

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Kansas-based since 1948

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30,000+ fee ATMs nationwide

Banking that actually works for you.

Most checking accounts do one thing: hold your money. Beyond Spending accounts earn their keep.

Beyond Ultimate and Essential are spending accounts with credit card-level perks built in.

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Cell phone protection

flight

Trip cancellation coverage

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Roadside assistance

local_offer

BaZing local & national deals

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1.00% APY* with Beyond Ultimate

Included with Ultimate & Essential

Your phone breaks. Your account has it covered.

Cracked screen. Stolen device. Whatever happens, Beyond Spending members get up to $1,000 per claim and $2,000 per year in cell phone protection reimbursement — with just a $50 co-pay. No separate insurance plan. No extra monthly fee. Just pay your phone bill from your Beyond account and coverage is in place.

See full cell phone protection details

Exclusive for Beyond Ultimate

Your money moves with you. Let your savings grow with you, too.

The Ultimate Money Market pays higher dividends as your balance grows, with tiers that reward every step up. It’s open to Beyond Ultimate Spending members with no other requirements, so if you have the account, you’re ready to open one.

See full Ultimate Money Market details

Three tiers. One Beyond family. Find the one that fits how you bank.

Beyond Ultimate is built for members who want their account earning dividends and covering them on the road. Beyond Essential gives you the core perks, cell phone protection, deals, and roadside, for a flat $6/month. Beyond Freedom keeps things simple: full digital access, instant issue debit card, overdraft protecion, and early pay day, with a fee that's easy to waive.

Beyond Perks	Ultimate Best for: Savvy savers who maintain higher balances and want to earn dividends. More perks, plus dividends. Beyond Ultimate adds dividends on your balance and travel protection for members who want their account working harder. Fee waived with a $2,500 balance. Open an account Best for	Essential Best for: Everyday spenders who want perks without maintaining a high balance. Everyday perks, no minimum balance. For $6 a month, you get cell phone protection, BaZing discounts, ID theft aid, roadside assistance, and more. Open an account Best for
Earn 1.00% APY* on Your Balance	check_circle	block
Trip Cancellation and Interruption	check_circle	block
Cell Phone Protection	check_circle	check_circle
Shop Local, Save Local¹	check_circle	check_circle
ID Theft Aid	check_circle	check_circle
Buyer's Protection and Extended Warranty^2,3	check_circle	check_circle
Roadside Assistance	check_circle	check_circle
Health Savings Card	check_circle	check_circle
Pet Insurance⁴	check_circle	check_circle
Billshark⁴	check_circle	check_circle
	$10/month Fee waived by maintaining a $2,500 balance.	$6/month

Beyond Freedom: No BaZing deals or extra perks. $4/month fee waived if you use your HCU Debit Card or Credit Card 15 times in a month, or if you're under 24 or over 65.

Open a Beyond account

Everything you need. Right in your pocket.

Beyond Spending accounts come with Heartland's full Digital Banking suite: mobile deposit, real-time alerts, free BillPay, and early access to your direct deposit up to two days before payday. And with 30,000+ free ATMs through the CO-OP ATM Network, you're covered wherever you are.

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Early payday

Get paid up to two days early with direct deposit.

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Overdraft protection

Fees as low as $9, so a small shortfall doesn't become a big problem.

Overdraft protection details

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Change is Good

Round up debit purchases and auto-move the difference to savings.

See Change is Good features

Unlock deals just for being a member. That's BaZing.

Open a Beyond Spending account and you get access to BaZing — a local and national deals app with thousands of discounts on restaurants, shopping, entertainment, and more. Download, log in with your Heartland account, and start saving the same day.

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Member-owned. Not-for-profit.

When you open a Beyond account, you join The Heartland Way

Heartland Credit Union is a member-owned, not-for-profit financial cooperative. When you open a Beyond Spending account, you're not just getting a checking account. You're becoming a member-owner of an institution that's been serving Kansas communities since 1948. Our profits go back to members in the form of better rates, lower fees, and services designed for people, not shareholders.

Become a member today

Not sure Beyond is the right fit?

We have spending accounts designed for every stage of life.

Gateway Spending

Built for teens & young adults. Smart, simple money management — no monthly fee and digital tools to build good habits from day one.

Learn about Gateway Spending

Renew Spending

A fresh start for your finances. If you're rebuilding, Renew gives you access to everyday banking with a clear path to upgrading when you're ready.

Learn about Renew Spending

Frequently asked questions about Spending accounts

A Spending account is what most people call a checking account. We use “Spending” because that’s what it’s designed for — managing everyday purchases, paying bills, and using your debit card. You can still write checks, too.

Have an HCU representative contact you about a Beyond Spending account.

Ready to bank beyond the basics?

Becoming a Heartland member takes about three minutes online. Open your Beyond Spending account today and start earning perks from day one.

Open an 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. APY = Annual Percentage Yield. 1.00% APY on balances from $0 to $5,000, APY of .35% on balances from $5,000.01 to $10,000, APY of .20% on balances from $10,000.01 to $25,000, and APY of .10% on balances greater than $25,000 for the current dividend period. Rates effective as of 11/01/2026 and subject to change without notice. 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.