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Beyond Spending
Your checking account should be working harder.
Beyond Spending accounts come loaded with real perks — cell phone protection, travel coverage, local deals, and more. Plus the digital tools to manage it all from your phone.
See what's included.
Banking that actually works for you.
Most checking accounts do one thing: hold your money. Beyond Spending accounts earn their keep.
No add-ons. Not upgrades. It’s checking with credit card-level perks built in.
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.
Beyond Ultimate
Plans change. Your money shouldn't disappear with them.
Beyond Ultimate includes trip cancellation and interruption coverage automatically — no enrollment required. Pay for your travel using your Beyond Ultimate account and you're covered for illness, family emergencies, and other qualifying reasons. Plus 24/7 roadside assistance whenever you need it, wherever you are.
Choose the Beyond account that fits how you bank.
Both tiers include the core perks. Beyond Ultimate adds dividends and travel protection for members who want more.
Beyond Perks | Ultimate
Best for: Savvy savers who maintain higher balances and want to earn dividends.
More perks, plus dividends. Beyond Ultimate adds 2.02% APY* and travel protection for members who want their account working harder. Fee waived with a $2,500 balance. | 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. |
|---|---|---|
Earn 2.02% APY* on Your Balance | ||
Trip Cancellation and Interruption | ||
Cell Phone Protection | ||
Shop Local, Save Local1 | ||
ID Theft Aid | ||
Buyer's Protection and Extended Warranty2,3 | ||
Roadside Assistance | ||
Health Savings Card | ||
Pet Insurance4 | ||
Billshark4 | ||
$10/month Fee waived by maintaining a $2,500 balance. | $6/month |
Everything you need. Right in your pocket.
Beyond Spending accounts come with Heartland's full Digital Banking suite — mobile deposit, real-time alerts, 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.
Early payday
Get paid up to two days early with direct deposit.
Overdraft protection
Fees as low as $9, so a small shortfall doesn't become a big problem.
Change is Good
Round up debit purchases and auto-move the difference to savings.
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.
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.
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.
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.
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.
Or call 800.428.8472 to speak to a member of our team.
*Membership Required. 2.00% with an Annual Percentage yield of 2.02% on balances from $0 to $5,000, .35% with an APY of .35% on balances from $5,000.01 to $10,000, .20% with an APY of .20% on balances from $10,000.01 to $25,000, and .10% with an APY of .10% on balances greater than $25,000 for the current dividend period. 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.
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