Heartland Credit Union Free eChecking


eChecking is our most popular checking account... and with good reason.

eChecking an impressive, simple and straight-forward account built for today's on-the-go lifestyle. eChecking is free (paper statements are $3/month) and is packed with features, including the following:

  • We have Apple Pay® ... Try it. You'll love it.
  • Debit cards (with EMV technology) are issued instantly at a branch.
  • Free online banking, mobile banking (our app is top-notch), mobile check deposit and online Bill Pay.
  • Checking transition loan: $1,000, 0% APR loan for 90 days to get everything situated comfortably.*
  • Free access to over 30,000 ATMs. Click here to find the nearest free ATM.
  • Free first box of checks

Consolidate all your accounts to HCU for a simple and convenient banking experience. Try one of the three easy ways listed below.

  1. Open eChecking through HCU online banking
  2. Visit your nearest branch to open eChecking.
  3. Open eChecking by phone: Call our local, full-service Phone Center at 800.428.8472

*90 day zero interest transition loan for qualified borrowers under standard credit approval. Regular lending rate for tier will go into effect at 91 days if loan is not repaid in full.

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  • Real Overdraft Protection
  • VISA Debit Card
  • 50+ Rewards Package
  • HCU Bill Pay
  • Reorder Checks

Goes well with...

  • Instacheck mobile check deposit
  • Direct Deposit
  • VISA Credit Card
  • Online & Mobile Banking
  • eStatements
  • No monthly service charge, no minimum balance
  • No paper statements or notices ($3 per month paper statement option available)
  • No dividends paid on account balance
  • No per check fees
  • Records of your canceled checks are securely stored by the credit union, freeing you from filing and storage
  • Unlimited free transactions at Heartland Credit Union and Coop Network ATMS (2 free/month at foreign ATMs)
  • Free Plus style checks for those age 50+ (2 boxes/year)
  • Real-time balances, all the time
  • Real Overdraft Protection included
  • Direct Deposit & Payroll Deduction available