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Beyond Spending: Why everyday checking should actually help you save, protect, and plan

Heartland Credit Union Spending and Savings 03 February 2026

The big picture:

Most “free checking” stops at the basics. Beyond Spending layers in money‑saving perks, device protection, and travel/security coverage—without giving up daily banking conveniences like Early Payday, as low $9 overdraft fees, and Digital Banking.

Why it matters:

For families and savvy savers, value is more than a rate—it’s real protection (e.g., cell phone protection up to $1,000 per claim / $2,000 per year), roadside assistance, ID Theft Aid (including up to $5,000 reimbursement), and Trip Cancellation/Interruption. Everyday purchases can even be backed with Buyer’s Protection & Extended Warranty.

Choose your fit:

Beyond Ultimate: Tiered dividends + premium perks. $10/mo, waived with $2,500 minimum balance or 15 debit/credit transactions.
Beyond Essential: Perks-first, $6/mo and no minimum balance—ideal for everyday spenders.
Beyond Freedom: Simple, flexible, $4/mo (waived with 15 transactions); fee automatically waived for ages 19–23 and 65+.

By the numbers (Ultimate dividends):

$0–$5,000: 2.00% / 2.02% APY
$5,000.01–$10,000: 0.35% / 0.35% APY
$10,000.01–$25,000: 0.20% / 0.20% APY
>$25,000: 0.10% / 0.10% APY

APYs (Annual Percentage Yield) shown for the current dividend period; see current rates for updates.

Everyday features you’ll use:

Early Payday—access direct deposits up to 2 days early.
Low overdraft—fees as low as $9 across HCU spending accounts (click for details).
CO‑OP ATM network—30,000+ fee‑free ATMs nationwide.
Change Is Good—round‑ups that auto‑save while you spend.
Digital Banking—mobile deposit, alerts, bill pay, budgeting, dashboards.

Between the lines:

This is checking that helps pay for itself: perks reduce real-world costs (phones, travel, identity restoration), while dividends reward balances—and you keep the convenience of a single, everyday account.

Bottom line:

If you want value, protection, and control in one place, Beyond Spending is built for how you live and spend—Your partner in banking and beyond. It’s the Heartland Way.