Accounts You'll Treasure
Checking Accounts
At Heartland, we provide banking solutions to make your life easier. With features like Early Payday, instant-issue debit cards, and low $5 overdraft fees, our checking accounts help take the stress out of managing your finances. We’ll help you choose the checking account that fits you and the stage of life you’re in. Earn cash back when you use your debit card with Rewards Cash Back Checking or earn dividends on any balance with Rewards Dividend Checking. Or if you are just starting out, you can still earn cash back with Gateway Checking and bonuses for good grades. It's all about finding the right solution for you.
Dedicated to helping our members.
It's the Heartland Way
- Kari W.,
Member since 1987

Rewards Cash Back Checking
- Totally free checking with no minimum balance
- Earn cash back when you use your debit card*
- Early Payday let you access direct deposits up to 2 days early
- Change is Good will automatically round up your debit card purchase and place the excess amount directly into savings
- Overdraft Protection to save you from unnecessary fees
- Free HCU Visa debit card
- Free transactions at over 30,000 ATMs nationwide

Rewards Dividend Checking
- Dividends paid monthly**
- Earn better interest on HCU Certificates^
- Early Payday lets you access direct deposits up to 2 days early
- Change is Good will automatically round up your debit card purchase and place the excess amount directly into savings
- Overdraft Protection to save you from unnecessary fees
- Free HCU Visa debit card
- Free transactions at over 30,000 ATMs nationwide

Gateway Checking
- No minimum balance
- Free HCU Visa Debit Card
- Earn cash back on debit card purchases over $10*
- Access direct deposit funds up to 2 days early
- Free access to over 30,000 ATMs nationwide
- InstaCheck mobile check deposit
- Share Transfer Overdraft Protection† for the exact amount of the overdraft from your HCU savings account
- Free unlimited HCU BillPay
- Free check cashing
Have an HCU representative contact you about an HCU checking account.

Or call 800.428.8472 to speak to a member of our team.
Related Products and Services

Smart Start Savings

Money Market

Overdraft Protection
More Reasons Why Our Members Love The Heartland Way
- Kate S.
Member since 2020