Personal Checking, Savings and Money Market Accounts
Annual Percentage Yield (APY) is accurate as of September 1, 2010.
|
Account Type
|
Min. Bal. To Open
|
Min. Bal. To Obtain APY
|
Interest Rate
|
APY
|
|
Stars & Stripes
Free Checking*
|
$100.00
|
N/A
|
N/A
|
N/A
|
| NOW |
$100.00 |
$100.00 |
0.25% |
0.25% |
|
Senior NOW
|
$100.00
|
$100.00
|
0.25%
|
0.25%
|
|
Platinum Checking
|
$1,000.00
|
$1,000.00 |
0.25%
|
0.25%
|
|
Savings
|
$50.00
|
$100.00
|
0.25%
|
0.25%
|
|
Junior Savings
|
$5.00
|
$100.00
|
0.25%
|
0.25%
|
|
Money Market
|
$1,000.00
|
$0.01- $9,999.99
$10,000.00-$49,999.99
$50,000.00-$99,999.99
$100,000.00 & over
|
0.25%
0.75%
0.85%
1.00%
|
0.25%
0.75%
0.85%
1.00%
|
APY = Annual Percentage Yield.
Overdraft Protection*
Heartland Bank provides "Bounce Protection," a special overdraft privilege that is automatically assigned to your account. No extra paperwork, just extra piece of mind. Overdrafts incur fees.
-
All above interest-bearing accounts are variable interest rate accounts and the annual percentage yield may change based on market conditions.
-
Monthly and other fees may reduce the earnings on these accounts.
- $30.00 per item non-sufficient fee (NSF) for each transaction presented for payment against accounts with non-sufficient funds.
- The types of transactions for which a NSF fee can be imposed include, without limitations: checks; in-person withdrawals; ATM withdrawals; point-of-sale (POS) purchases; ACH payments, withdrawals, other types of payments and withdrawals by electronic means.
- NSF transactions and related fees are payable immediately if you bring your account to a positive balance as soon as possible and at least once every 30 calendar days.
- Whether your overdraft will be paid or not is discretionary. We reserve the right not to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you.
NOW Account
- This account is a variable interest rate account, and therefore, the interest rate and annual percentage yield may change at our discretion.
- Unlimited check writing
- Fees may reduce earnings
Senior NOW Account
This account is a variable interest rate account, and therefore, the interest rate and annual percentage yield may change based at our discretion.
- Unlimited check writing
- Free statement printouts
- Monthly maintenance fee waived with direct deposit
- Fees may reduce earnings
Platinum Account
- This account is a variable interest rate account, and therefore, the interest rate and annual percentage yield may change at our discretion.
- Unlimited check writing
-
Fees may reduce earnings
Savings/Junior Savings
- This account is a variable interest rate account, and therefore, the interest rate and annual percentage yield may change at our discretion.
- Checks, drafts or similar orders to third parties are not available for this account.
- Transfers from this account to another account or to third parties by pre-authorized, automatic or telephone transfers are limited to six per each monthly statement cycle.
- Fees may reduce earnings
Money Market
- This account is a variable interest rate account, and therefore, the interest rate and annual percentage yield may change at our discretion.
- Transfers from this account to another account or to third parties by pre-authorized, automatic or telephone transfers are limited to six per each monthly statement cycle. Three of these transfers may be made by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties.
- Fees may reduce earnings
