Heartland Bank

Headquarters: Somers, Iowa
Charter: Bank
Assets: $256.1M
Fed district: Chicago

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 4, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $5.87, the middle of its prices
Heartland Bank: $2.25 to $9.49
Heartland Bank: $2.25 to $9.49
U.S. median: no median
Overdraft (OD)
Heartland Bank: $34
Heartland Bank: $34
U.S. median: no median
NSF / Returned Item
Heartland Bank: $10
Heartland Bank: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Heartland Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance (audience not stated, treated as personal)$2.25
per month
Monthly service fee on Elite Checking$9.49
per month
Minimum Balance$12
per month
Account Closing Fee: Fee charged if new account is closed within six months of being open$35
Inactivity Fee (audience not stated, treated as personal)$7.50
per month
Account Balance/ Research$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee (audience not stated, treated as personal)$34
per item
Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check with a cashiers check$10
per item
Overdraft Continuous Overdraft Fee (audience not stated, treated as personal)$7.50
per day
Overdraft Protection (If you have signed up for this protection) (audience not stated, treated as personal)$8
per item

Wire Transfers

Wire Transfer (Domestic Out)$30
Wire Transfer (Domestic Out)$60
Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t$15
Wire Transfer (Int'l Out)$50

Check Services

Cashiers Check: A check guaranteed by the bank$7
per item
Personal Money Order$7
per item
Stop Payment$40

Digital & Electronic

Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secureNo charge
Mobile DepositNo charge

Cash & Deposit

Credit Card Cash AdvanceNo charge
Deposited Checks Returned Unpaid$7
per item

Account Services

Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s)$50
Not compared: Box drilling or key fee
per item
Garnishment/Levy$75

Gift & Prepaid Cards

Gift Cards$4
per item

Other Fees

One full year of Statement Copies: Proving additional copy of all statements for 12 month period. Statements can be pick$75
Statement Services$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance (audience not stated, treated as personal)	$2.25	per month	None
Monthly service fee on Elite Checking	$9.49	per month	None
Minimum Balance	$12	per month	None
Account Closing Fee: Fee charged if new account is closed within six months of being open	$35	Not stated	None
Inactivity Fee (audience not stated, treated as personal)	$7.50	per month	None
Account Balance/ Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee (audience not stated, treated as personal)	$34	per item	None
Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check with a cashiers check	$10	per item	None
Overdraft Continuous Overdraft Fee (audience not stated, treated as personal)	$7.50	per day	None
Overdraft Protection (If you have signed up for this protection) (audience not stated, treated as personal)	$8	per item	None
Wire Transfers
Wire Transfer (Domestic Out)	$30	Not stated	None
Wire Transfer (Domestic Out)	$60	Not stated	None
Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t	$15	Not stated	None
Wire Transfer (Int'l Out)	$50	Not stated	None
Check Services
Cashiers Check: A check guaranteed by the bank	$7	per item	None
Personal Money Order	$7	per item	None
Stop Payment	$40	Not stated	None
Digital & Electronic
Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secure	No charge	Not stated	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Credit Card Cash Advance	No charge	Not stated	None
Deposited Checks Returned Unpaid	$7	per item	None
Account Services
Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s)	$50Not compared: Box drilling or key fee	per item	None
Garnishment/Levy	$75	Not stated	None
Gift & Prepaid Cards
Gift Cards	$4	per item	None
Other Fees
One full year of Statement Copies: Proving additional copy of all statements for 12 month period. Statements can be pick	$75	Not stated	None
Statement Services	$10	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Monthly service fee on Elite Checking$9.49
per month
Minimum Balance$12
per month
Account Closing Fee: Fee charged if new account is closed within six months of being open$35
Account Balance/ Research$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check with a cashiers check$10
per item

Wire Transfers

Wire Transfer (Domestic Out)$30
Wire Transfer (Domestic Out)$60
Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t$15
Wire Transfer (Int'l Out)$50

Check Services

Cashiers Check: A check guaranteed by the bank$7
per item
Personal Money Order$7
per item
Stop Payment$40

Digital & Electronic

Monthly fee to allow business to generate ACH transactions$40
Not compared: Monthly charge, not per item
per month
Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secureNo charge
Mobile DepositNo charge

Cash & Deposit

Credit Card Cash AdvanceNo charge
Deposited Checks Returned Unpaid$7
per item

Account Services

Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s)$50
Not compared: Box drilling or key fee
per item
Garnishment/Levy$75

Gift & Prepaid Cards

Gift Cards$4
per item

Other Fees

One full year of Statement Copies: Proving additional copy of all statements for 12 month period. Statements can be pick$75
Statement Services$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee on Elite Checking	$9.49	per month	None
Minimum Balance	$12	per month	None
Account Closing Fee: Fee charged if new account is closed within six months of being open	$35	Not stated	None
Account Balance/ Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check with a cashiers check	$10	per item	None
Wire Transfers
Wire Transfer (Domestic Out)	$30	Not stated	None
Wire Transfer (Domestic Out)	$60	Not stated	None
Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t	$15	Not stated	None
Wire Transfer (Int'l Out)	$50	Not stated	None
Check Services
Cashiers Check: A check guaranteed by the bank	$7	per item	None
Personal Money Order	$7	per item	None
Stop Payment	$40	Not stated	None
Digital & Electronic
Monthly fee to allow business to generate ACH transactions	$40Not compared: Monthly charge, not per item	per month	None
Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secure	No charge	Not stated	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Credit Card Cash Advance	No charge	Not stated	None
Deposited Checks Returned Unpaid	$7	per item	None
Account Services
Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s)	$50Not compared: Box drilling or key fee	per item	None
Garnishment/Levy	$75	Not stated	None
Gift & Prepaid Cards
Gift Cards	$4	per item	None
Other Fees
One full year of Statement Copies: Proving additional copy of all statements for 12 month period. Statements can be pick	$75	Not stated	None
Statement Services	$10	Not stated	None

Correct a fee source

Oct 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Heartland Bank's monthly maintenance changes in our data

We check once a day and send one email covering every change.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $5.87, the middle of its prices
Heartland Bank: $2.25 to $9.49
Heartland Bank: $2.25 to $9.49
U.S. median: no median
Overdraft (OD)
Heartland Bank: $34
Heartland Bank: $34
U.S. median: no median
NSF / Returned Item
Heartland Bank: $10
Heartland Bank: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Iowa: Banks and credit unions headquartered in Iowa that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Published fee schedule

Amounts from Heartland Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance (audience not stated, treated as personal)$2.25
per month
Monthly service fee on Elite Checking$9.49
per month
Minimum Balance$12
per month
Account Closing Fee: Fee charged if new account is closed within six months of being open$35
Inactivity Fee (audience not stated, treated as personal)$7.50
per month
Account Balance/ Research$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee (audience not stated, treated as personal)$34
per item
Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check with a cashiers check$10
per item
Overdraft Continuous Overdraft Fee (audience not stated, treated as personal)$7.50
per day
Overdraft Protection (If you have signed up for this protection) (audience not stated, treated as personal)$8
per item

Wire Transfers

Wire Transfer (Domestic Out)$30
Wire Transfer (Domestic Out)$60
Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t$15
Wire Transfer (Int'l Out)$50

Check Services

Cashiers Check: A check guaranteed by the bank$7
per item
Personal Money Order$7
per item
Stop Payment$40

Digital & Electronic

Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secureNo charge
Mobile DepositNo charge

Cash & Deposit

Credit Card Cash AdvanceNo charge
Deposited Checks Returned Unpaid$7
per item

Account Services

Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s)$50
Not compared: Box drilling or key fee
per item
Garnishment/Levy$75

Gift & Prepaid Cards

Gift Cards$4
per item

Other Fees

One full year of Statement Copies: Proving additional copy of all statements for 12 month period. Statements can be pick$75
Statement Services$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance (audience not stated, treated as personal)	$2.25	per month	None
Monthly service fee on Elite Checking	$9.49	per month	None
Minimum Balance	$12	per month	None
Account Closing Fee: Fee charged if new account is closed within six months of being open	$35	Not stated	None
Inactivity Fee (audience not stated, treated as personal)	$7.50	per month	None
Account Balance/ Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee (audience not stated, treated as personal)	$34	per item	None
Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check with a cashiers check	$10	per item	None
Overdraft Continuous Overdraft Fee (audience not stated, treated as personal)	$7.50	per day	None
Overdraft Protection (If you have signed up for this protection) (audience not stated, treated as personal)	$8	per item	None
Wire Transfers
Wire Transfer (Domestic Out)	$30	Not stated	None
Wire Transfer (Domestic Out)	$60	Not stated	None
Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t	$15	Not stated	None
Wire Transfer (Int'l Out)	$50	Not stated	None
Check Services
Cashiers Check: A check guaranteed by the bank	$7	per item	None
Personal Money Order	$7	per item	None
Stop Payment	$40	Not stated	None
Digital & Electronic
Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secure	No charge	Not stated	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Credit Card Cash Advance	No charge	Not stated	None
Deposited Checks Returned Unpaid	$7	per item	None
Account Services
Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s)	$50Not compared: Box drilling or key fee	per item	None
Garnishment/Levy	$75	Not stated	None
Gift & Prepaid Cards
Gift Cards	$4	per item	None
Other Fees
One full year of Statement Copies: Proving additional copy of all statements for 12 month period. Statements can be pick	$75	Not stated	None
Statement Services	$10	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Account Maintenance

Monthly service fee on Elite Checking$9.49
per month
Minimum Balance$12
per month
Account Closing Fee: Fee charged if new account is closed within six months of being open$35
Account Balance/ Research$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check with a cashiers check$10
per item

Wire Transfers

Wire Transfer (Domestic Out)$30
Wire Transfer (Domestic Out)$60
Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t$15
Wire Transfer (Int'l Out)$50

Check Services

Cashiers Check: A check guaranteed by the bank$7
per item
Personal Money Order$7
per item
Stop Payment$40

Digital & Electronic

Monthly fee to allow business to generate ACH transactions$40
Not compared: Monthly charge, not per item
per month
Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secureNo charge
Mobile DepositNo charge

Cash & Deposit

Credit Card Cash AdvanceNo charge
Deposited Checks Returned Unpaid$7
per item

Account Services

Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s)$50
Not compared: Box drilling or key fee
per item
Garnishment/Levy$75

Gift & Prepaid Cards

Gift Cards$4
per item

Other Fees

One full year of Statement Copies: Proving additional copy of all statements for 12 month period. Statements can be pick$75
Statement Services$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee on Elite Checking	$9.49	per month	None
Minimum Balance	$12	per month	None
Account Closing Fee: Fee charged if new account is closed within six months of being open	$35	Not stated	None
Account Balance/ Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Replacement Check/Money Order: Replace a lost cashiers check or money order or to convert an insufficient funds check with a cashiers check	$10	per item	None
Wire Transfers
Wire Transfer (Domestic Out)	$30	Not stated	None
Wire Transfer (Domestic Out)	$60	Not stated	None
Incoming Wires (domestic): A wire transfer that is deposited into your account from another bank via not going through t	$15	Not stated	None
Wire Transfer (Int'l Out)	$50	Not stated	None
Check Services
Cashiers Check: A check guaranteed by the bank	$7	per item	None
Personal Money Order	$7	per item	None
Stop Payment	$40	Not stated	None
Digital & Electronic
Monthly fee to allow business to generate ACH transactions	$40Not compared: Monthly charge, not per item	per month	None
Bill Pay: ability to pay bills 24/7, at your convenience, pay all bills at one site, safe and secure	No charge	Not stated	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Credit Card Cash Advance	No charge	Not stated	None
Deposited Checks Returned Unpaid	$7	per item	None
Account Services
Lost Safety Deposit Box Key: Unable to locate key to box. Bank replaces lost key(s)	$50Not compared: Box drilling or key fee	per item	None
Garnishment/Levy	$75	Not stated	None
Gift & Prepaid Cards
Gift Cards	$4	per item	None
Other Fees
One full year of Statement Copies: Proving additional copy of all statements for 12 month period. Statements can be pick	$75	Not stated	None
Statement Services	$10	Not stated	None

Correct a fee source

Oct 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.