Checking Accounts


Our completely FREE basic checking is a non-dividend earning account, but requires no minimum balance.

Money Management Checking

If you routinely carry a high balance in your checking account, you may benefit from our Money Management Checking Account. 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 $25,000.

*There will be a $5.00 monthly fee assessed for all Money Management Checking Accounts that do not have the minimum balance requirement of $2,000.00. 

Features and Benefits of Basic and Money Management Checking:

The ABA or routing number for Heartland Credit Union is 271189446.

Click here to re-order checks or contact the Credit Union by calling 217-726-8877.

Overdraft Protection

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.

Courtesy Pay

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 $35.00 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. Click here to read more about Courtesy Pay.