Checking Accounts Reinvented
Heartland’s Beyond Spending accounts will change how you think about your checking account. Whether you’re looking to maximize your returns, enjoy money-saving perks, or simply manage your everyday spending with ease, our Beyond Spending accounts offer a range of options to fit your unique financial needs. Discover how our Beyond Spending accounts can elevate your financial journey today.
Designed for those who want more from their banking experience and maintain a higher balance. Earn dividends and take advantage of money-saving benefits—powered by BaZing—like cell phone protection, ID theft aid, healthcare savings, local and national discounts, and more.
Earn Dividends on Your Beyond Ultimate Balance
Our best spending account rate. Earn dividends with no minimum balance.
Cell Phone Protection2,3
Pay your cell phone bill with your Beyond Spending account, and you're covered. We'll pay to have it repaired or replaced, up to $1,000 per claim (maximum of $2,000 per year).
Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.
Buyer's Protection and Extended Warranty2,3
Your newly purchased item can be reimbursed or replaced if an accident or theft occurs within 90 days of purchase, when purchased using your Beyond Spending account.
Billshark4
Let the Billshark team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.
Trip Cancellation and Interruption2
Receive reimbursement for canceled or interrupted trips when you purchase the entire trip from your Beyond Spending account.
Shop Local, Save Local1
Local discounts and national retailer deals to save you money on shopping, dining, travel and more.
Roadside Assistance
Available 24/7 and free to use, covers up to $80 in covered service charges.
ID Theft Aid2,3,4
Personal Identity Theft Benefit: Receive up to $5,000 reimbursement for covered expenses you incur to restore your identity.
Identity Restoration and Payment Card Resolution: Identity restoration specialist works on your behalf to restore your identity, and cancel payment cards.
Credit Monitoring and Credit Report: Monitor changes and new activity on your credit report and review your credit report quarterly.
Identity Monitoring: Monitors the dark web to identify activity associated with your identity, including public records, change of address, social security, and non-credit loans.
Pet Insurance4
Preferred rates on pet insurance. Coverage includes free ID tags linked in pet cloud, 24/7 virtual vet, pet Rx and more!
Tools to simplify your money management
In addition to traditional checking account features like check writing and a free debit card with tap to pay, you’ll also have access to these convenient tools.
Digital Banking
Access your account anytime from your computer, tablet, or smartphone. Check balances, make transfers, pay bills, and more.
Bill Pay
Decide which bills you want to pay and when.
eStatements
Skip the paper statement and go paperless with eStatements.
Mobile Wallet
Add your HCU Visa Debit Card to your Apple, Google, or Samsung mobile wallet for faster, more secure purchases in stores and online.
Beyond Essential has all your daily banking needs covered, plus perks! Save with access to benefits like cell phone protection, ID theft aid, healthcare savings, local and national discounts, and more with no minimum balance required.
- Cell Phone Protection
- Health Savings Card
- Shop Local, Save Local
- Roadside Assistance
- ID Theft Aid
- Buyer's Protection and Extended Warranty
- Billshark
- Pet Insurance
With all the essential tools at your fingertips, managing your money is simple and convenient with Beyond Freedom. Enjoy easy access to your funds, secure transactions, and the flexibility to handle your daily finances effortlessly.
Features to make life a little easier
Every Beyond Spending account comes with all the features you’d expect from a traditional checking account, like a free HCU Visa Debit Card, Digital Banking, Overdraft Protection, and Early Payday. Beyond account holders also earn a discount on HCU Personal and Auto loans!
Overdraft Protection with low $9 fees with every HCU spending account.
Change is Good will round up your debit card purchase and place the excess amount directly into savings.
Choose the Beyond Account that's right for you!
Beyond Essential
Receive up to $1,000 per claim ($2,000 per year) if your cell phone is broken or stolen.
Available 24/7 and free to use, up to $80 in covered service charges.
Receive reimbursement for canceled or interrupted trips when you purchase the entire trip from your Beyond Spending account.
Access your account anytime from your computer, tablet, or smartphone. Check balances, make transfers, pay bills, and more.
$6/Month
Only $6 per month.
Most Popular
Beyond Ultimate
Our best spending account rate. Earn dividends with no minimum balance.
Receive reimbursement for canceled or interrupted trips when you purchase the entire trip from your Beyond Spending account.Save money on prescriptions, eye exams, frames, lenses and hearing services.
$10/Month
Maintain a $2,500 minimum balance, and we'll waive the $10 monthly fee.
Beyond Freedom
Access your account anytime from your computer, tablet, or smartphone. Check balances, make transfers, pay bills, and more.
$4/Month
Waive the fee by using your HCU debit card for 15 purchases or HCU credit card for 15 purchases or cash advances per month.
For members between the ages of 19-23 and 65+, the $4 monthly service fee will be waived on the Beyond Freedom Spending account.
Frequently Asked Questions About Spending Accounts
A Spending account is the new Checking account. In today’s world, members are using debit cards, mobile wallets, and other forms of payments to purchase items and pay bills. With fewer checks being used, Spending account more accurately describes the account.
Other Spending Accounts
If you're looking for a Spending account for your child under the age of 19, or an account that can help you rebuild your financial picture, we have you covered!
Gateway
Gateway Checking
Renew
Renew Checking
Have an HCU representative contact you about a Beyond Spending account.
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.
