Checking Accounts

At Heartland, we’re here to help better your life with a checking account that works for the way you live. That starts by getting to know you. With features like Early Payday, instant-issue debit cards, and low overdraft fees, our checking accounts are designed to meet you where you are.  We’ll help you choose the checking account that fits your needs.  Earn cash back when you use your debit card with Rewards Cash Back Checking or earn dividends on any balance with Rewards Dividend Checking.  Just starting out? You can also earn cash back with Gateway Checking plus bonuses for good grades. It's all about finding the right solution for you.
  
Dedicated to helping our members.
It's the Heartland Way

"We prefer a credit union that cares about members and not just about money."
 - Randy and Debbie J.,
   Members since 2002
Rewards Cash Back Checking

Rewards Cash Back Checking

  • Totally free checking with no minimum balance
  • Earn cash back when you use your debit card*
  • Early Payday let you access direct deposits up to 2 days early
  • Change is Good will automatically round up your debit card purchase and place the excess amount directly into savings
  • Overdraft Protection to save you from unnecessary fees
  • Free HCU Visa debit card with Tap to Pay
  • Free transactions at over 30,000 ATMs nationwide
Rewards Dividend Checking

Rewards Dividend Checking

  • Dividends paid monthly**
  • Earn better interest on HCU Certificates^
  • Early Payday lets you access direct deposits up to 2 days early
  • Change is Good will automatically round up your debit card purchase and place the excess amount directly into savings
  • Overdraft Protection to save you from unnecessary fees
  • Free HCU Visa debit card with Tap to Pay
  • Free transactions at over 30,000 ATMs nationwide
Gateway Checking

Gateway Checking

  • For members under the age of 19
  • No minimum balance
  • Free HCU Visa debit card with Tap to Pay
  • Earn cash back on debit card purchases over $10*
  • Access direct deposit funds up to 2 days early
  • Free access to over 30,000 ATMs nationwide
  • InstaCheck mobile check deposit
  • Share Transfer Overdraft Protection for the exact amount of the overdraft from your HCU savings account
  • Free unlimited HCU Bill Pay
  • Free check cashing

Have an HCU representative contact you about an HCU checking account.

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Or call 800.428.8472 to speak to a member of our team.

You can always stop by one of our 9 branches in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita, Kansas.

Related Products and Services

Smart Start Savings

Smart Start Savings

Power up your child's savings with a Smart Start Savings account. Kids 12 and under learn about saving money, while earning great bonuses.
Money Market

Money Market

A high-yield savings account to help your money grow faster. Your rate increases as your balance grows.
Overdraft Protection

Overdraft Protection

Providing protection for your account when you need it, along with low fees that won't leave you out in the rain.  

More Reasons Why Our Members Love The Heartland Way

"I'm so glad I found Heartland!"
 - Kate S.
   Member since 2020
"I just love the personalized service."
 - Kari W.
   Member since 1987
*Earn $.05 cash back for every debit card transaction over $10. Must use your debit card 15 times per month and have eStatements to earn cash back. Maximum cash back amount is $5 per month. **Annual percentage yield .05% for balances up to $2,499, .20% for balances $2,500 - $9,999, and .50% on balances of $10,000 and greater.  Rates effective 5/5/2023 and are subject to change. ^A one time Volume Tier Bump gives the member the next highest interest rate based on dollar volume of the certificate of deposit. †Whether overdrafts will be paid is discretionary and we reserve the right not to pay.  We typically do not pay overdrafts if the account is not in good standing, regular deposits are not being made, or too many overdrafts are occurring on the account.