Checking Account Information
Our completely FREE basic checking provides for easy bookkeeping with tissue carbon copy checks, so no cancelled checks are returned. It is a non-dividend earning account, but requires no minimum balance, has unlimited check writing privileges, and has 24-hour accessibility through our ATM/Check Card, CU*Talk (audio response system), and It's Me 247 Home Banking.
As a member of the CO-OP Network, you have access to several no-surcharge sites in the Springfield area, and those are unlimited on-us transactions for your account. We also provide 6 free foreign ATM transactions (withdrawals from machines not in the CO-OP Network).
Automatic overdraft protection from your Savings, Money Market, and Money Management accounts allows the transfer of funds to clear checks, preventing return item fees and the embarrassment of returned checks. Checkline loans are available to qualified members providing a cushion for overdrawn accounts as well.
In addition, Courtesy Pay may be extended to your account. This service allows us to pay a check written on your account, even if it causes the account to become overdrawn. There is a $30.00 fee applied to each check cleared, the same fee that is applied to any non-sufficient fund check. However, we do not return the check to the merchant, helping you avoid additional fees on their part, and protecting your credit.
Recent changes in Federal Legislation (Regulation E) give members additional options regarding overdrafts. Members must give Heartland Credit Union authorization to pay overdrafts for the following types of transactions:
- ATM transactions
- Every Heartland Credit Union Visa© Check Card transaction
If you would like Heartland Credit Union to authorize and pay overdrafts on your ATM and everyday Visa Check Card transactions, please fill out our authorization form or call our phone center. You can return the form by mailing, faxing (217-726-6494), or bring it to one of our four branch locations.
If you have any questions regarding changes in your overdraft privileges, please call our phone center at 217-726-8877.
All of these benefits are yours with a HCU Checking Account.
The ABA or routing number for Heartland Credit Union is 271189446. This number is required for wire transfers, direct deposit, and when setting up automatic payments for gym dues, Internet services, insurance premiums, etc.
Traveling with your Visa Check Card? Here is some helpful information.
Get In Balance
A How-To Guide for Managing Your Checking Account
If you routinely carry a high balance in your checking account, you may benefit from our Money Management Checking Account. Balances of $2,000 and higher earn a competitive dividend. It is a tiered account and the higher the balance, the better the dividend returned. The Annual Percentage Yields are tiered at $2,000, $10,000 and $20,000. There is easy access to your funds, and counter withdrawals are allowed without fees. Five (5) checks a month can clear the account at no cost. A $1.00 per check fee is charged for each check written in excess of 5 each month.
This account too, has 24-hour access through CU*Talk and It's Me 247 Home Banking. Automatic overdraft protection is another feature.
This account also uses tissue carbon copy checks providing quick and easy record keeping.