FAQs
What do I need to sign up for Online Banking and Bill Payment?
To use our Internet banking system, you will need a computer with Internet access from an Internet Service Provider, and a Web Browser, such as Microsoft Internet Explorer (ver 5.0 & higher) or Netscape (ver 4.7x or higher) with 128-bit encryption. The Online Banking system does not support use of browsers with 40 or 56-bit encryption. America Online (AOL) users should use AOL ver 5.0 or higher.
What is the cost for Online Banking and Bill Payment for personal accounts?
Online Banking and Bill Payment are free.
What is the cost for Online Banking and Bill payment for business accounts?
Online Banking is FREE! Bill Payment is $9.95 per month and this fee includes 15 payments. A payment fee of $0.36 is assessed for each additional payment above 15.
What types of accounts can I view with Online Banking?
With Online Banking, you can view your Checking, Money Market, Savings, Certificate of Deposit accounts, IRA accounts, as well as Loans.
Can I access both personal and business accounts with Online Banking and Bill Payment?
Yes, as long as your business account is a sole proprietorship or a d/b/a for a sole proprietorship. Otherwise, you will need to setup separate Online Banking and Bill Payment relationships for your personal and business accounts.
How often is my account information updated?
The available balance for checking and savings accounts is real time and will change throughout the day based on the activity. For example, as the client uses their ATM or Debit Card or transfers money between accounts, the available balance will be updated to reflect the activity.
Can I transfer money from one account to another?
Yes, with Online Banking you can transfer money between Heartland Bank Checking, Money Market, or Savings accounts. You may also make payments on Heartland Bank loans from your Checking, Money Market, or Savings accounts. Please be advised loan payments from your Money Market or Savings accounts are considered preauthorized transfers and will be subject to the regulatory limits of no more than six preauthorized transfers for each month or statement cycle.
Can I transfer money between my personal and business accounts?
Funds transfers and loan payments may only be performed between accounts with the same primary taxpayer identification number or social security number.
Can I stop or modify my request to transfer funds?
Yes, at anytime before you approve the transfer you can modify or cancel your funds transfer request. However, after you have completed a funds transfer transaction and have received a confirmation number, you cannot stop the transfer from occurring. However, you may initiate another transfer and transfer the money back.
How does the Bill Payment service work?
Your payments are either electronically transferred from your Heartland Bank checking account through the Automated Clearing House (ACH) network or checks are written from your account and then mailed to the payee. Many organizations are not setup to receive payments through the ACH network, and therefore, payments will be made by check.
How are payments debited from my account when made through the ACH network?
Payments made through the ACH network are debited from your account on the payment date you established for the payment. In other words, the date that you request the payment be made will also be the date the funds are debited from your account. We recommend you select a payment date at least three business days before the payee's payment due date to ensure the payment is received on time.
How are payments debited from my account when made by check?
Payments made by check are debited from your account like any other check that you may write on your account. For example, a check will be debited from your account after the payee has received and presented the check for payment and the check is then processed by our bank. We recommend you select a payment date at least 7 business days before the payee's payment due date to ensure the payment is received on time.
Are there any payments I cannot make using Bill Payment?
Payments made by check are debited from your account like any other check that you may write on your account. For example, a check will be debited from your account after the payee has received and presented the check for payment and the check is then processed by our bank. We recommend you select a payment date at least 7 business days before the payee's payment due date to ensure the payment is received on time.
When should I setup my payments to make sure they are paid on time?
The only payments we recommend that should not be made include any type of a tax payment and court-ordered payment.
How will I know what payments have been made?
You should allow 3 business days for payments being made electronically. For payments being made by check, you should allow 7 business days. The payment method for each of your payees will be clearly identified as either "electronic or "check."
Through Heartland Bank's online access to your account, you will be able to view it once a payment has been made. The payment will also be clearly itemized on your monthly bank statement.
What if my payee says they have not received my payment?
If your payee notifies you that a payment has not posted, please call us at 913-663-5656. We will investigate the payment in question and will work to resolve the issue on your behalf.
What do I need to know about security?
The Online Banking service takes full advantage of the security provided by your Web browser and your Web server. Your transactions are encrypted as they travel over the Internet. Anyone trying to listen in on your communications will not be able to decipher them. The Netscape browser displays a key in the lower right corner of its window. When you are browsing a Web site that is not secure, the key will appear broken. When the session is secure (such as after you log onto Online Banking), the key appears solid with a blue background. In addition, your Online Banking account is protected by a password, also known as your personal identification number (PIN). No one can use your account without knowing your PIN.
What is 128-bit encryption?
There are basically two types of encryption: "High" and "Standard". The difference between these types of encryption is the strength of capability. A "High" (128-bit) encryption is exponentially more powerful than a "Standard" (40 or 56-bit) encryption. "High" or 128-bit encryption means there are a septillion possible keys that could fit into the lock that holds your account information, but only one that works for each time you bank online. Heartland Bank uses the highest level of encryption (128-bit) to ensure your online transmissions are secure. Our Internet banking system does not support use of browsers with 40 or 56-bit encryption.
How do I sign up for these services?
To sign up for Online Banking and Bill Payment, visit our Heartland Bank office for a consumer and/or business application. Or you can print and complete the Online Banking application. The completed online banking application can be e-mailed or returned to our office. Once you have submitted the application, we will assign you a User ID and temporary Password. This information will be sent to you by US Mail. You will also receive an Online Agreement for your signature with a postage paid return envelope. Other disclosures that will inform you of governmental regulations will also be included for your review.
How do I access these services once I have signed up?
You may access Online Banking and Bill Payment through Heartland Bank's web site at www.bankwithheartland.com. Input your User ID and password. If this is the first time that you are signing on to the Online Banking system, you will be prompted to change thebank assigned temporary password to a new password of your choice.
Where can I get step-by-step instructions for Internet Banking and Bill Payment?
Come by the bank office and a Personal Banker will be available to walk you through the process and answer any questions you may have. Do not hesitate to e-mail your questions to info@bankwithheartland.com or call 913-663-5656 from 9:00 AM to 5:00 PM Monday through Friday (excluding federal holidays).
May I download information to financial management software (i.e. Intuit Quicken® or Microsoft Money®)?
Yes, we support downloads in the following formats:
- Open Financial Exchange (.OFX - for Microsoft Money)
- Open Financial Exchange (.QFX - for Intuit Quicken)
- Intuit Interchange Format (.IIF - for Intuit Quickbooks)
- Personal Finance (.QIF)
- Spreadsheet (.CSV)
- Word Processing (.TXT)
Can I schedule recurring or future dated transfers?
Yes, our Online Banking service permits the scheduling of recurring and future dated transfers.
Can I tell when a transfer has posted to my account?
If you approve a funds transfer or loan payment, a "Confirmation Number" will be displayed. You may use this number if you need to refer to the transfer at a later time. The Confirmation Number will also be listed on your monthly account statement. If you make a funds transfer or loan payment using Online Banking before 7:00 PM (Central Time) on a business day that we are open, we will consider that day to be the day of your funds transfer or loan payment. However, if you make a funds transfer or loan payment using Online Banking after 7:00 PM (Central Time) or on a day we are not open, we will consider that the funds transfer or loan payment was made on the next business day that we are open. Funds transfers performed before 7:00 PM (Central Time) may be viewed on Online Banking on the following business day. Loan transfers performed before 7:00 PM (Central Time) may be viewed on Online Banking on the second business day.
If my payment due date falls on a Saturday or Sunday, what should I do?
Bill payments may be established with a payment date which falls on a Monday through Friday (excludes federal holidays). Payments established with a payment date of Saturday, Sunday or a federal holiday, will be processed on the next business day. Remember the payment date is not the payment's due date. You should establish the payment date at least 3 business days prior to the payment due date for payments being made electronically. For payments being made by check, you should establish the payment date at least 5 business days prior to the payment due date.
Do I need to contact my payees to tell them I am using Heartland Bank's Internet Bill Payment service?
No, using the Bill Payment service will not change the way your payments are credited or how money is debited from your accounts.
Can I place a stop payment on a bill payment that I have already setup?
Yes, you can cancel an electronic bill payment at any time up until 12:00 PM, Noon, (Central Time) on the business day prior to the payment date you established. Once the bill payment has been debited from your account, you CANNOT cancel or stop payment on a bill payment which has been paid electronically. You may be able to stop a bill payment paid by check by contacting our banking office before the check has cleared. You will have to contact us by telephone to determine if the check has cleared. If the check has not cleared, we will immediately process your stop-payment request. We will notify you immediately if the check has already cleared. To be effective, this type of stop-payment request must precisely identify the name of the payee, the payee-assigned account number, the amount and scheduled date of the payment, and the payee ID number from the Bill Payment "Payment History" Screen. You will incur stop-payment charges as disclosed in the current Fee Schedule.
When I pay bills through the Bill Payment system, should I enter them in my paper check register?
Yes. that way you will be able to properly reconcile your checkbook with your Heartland Bank statement each month.
What happens if I do not have enough money in my account to cover the bill payment I have set up?
If you request a payment for more than the balance in your account and the payment is to be made electronically, i.e. through the ACH network, in this case your payment will not be made. And, if you request a payment that will be paid by a check, the check will be written and the check will then be processed like any other check. However, when the check is processed by our bank and your account has insufficient funds to cover the check, then you may incur the same nonsufficient funds (NSF) charge for a check you may have written.
Where can I obtain additional consumer information on Internet banking?
"Tips for Safe Banking Over the Internet" The Federal Deposit Insurance Corporation (FDIC) has published an online brochure aimed at informing consumers of their rights and responsibilities when banking over the Internet.
