Welcome to Heartland Bank Online!

Certificates of Deposit | Savings and Money Markets | Checking with Interest

Deposits are now insured up to at least $250,000 per depositor through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except for IRAs and other certain retirement accounts which will remain at $250,000 per depositor.

Effective
Checking Accounts**	Interest Rate	APY*	Minimum to Open	Compounded & Credited
50+ Free Interest Checking	0.25%	0.25%	$50	Monthly
VIP Free Interest Checking	0.25%	0.25%	$50	Monthly
Capital Interest Checking			$50	Monthly
$25,000 and over	0.67%	0.67%
$10,000 - $24,999	0.45%	0.45%
$2,500 - $9,999	0.25%	0.25%
Less than $2,500	0.25%	0.25%
Business Checking with Interest	0.30%	0.30%	$50	Monthly

*Annual Percentage Yield
**The interest rate on a variable rate account may change after the account is opened.
Fees could reduce the earning on the account.
A penalty may be imposed for early withdrawal of a certificate of deposit.

Need Help?
Call 888.897.2276

Heartland Bank and Trust Co.
401 N. Hershey Road
P.O. Box 67
Bloomington, IL 61702-0067