Accounts

Checking and E-Checking Accounts:

Routing Number 274974658

Included Services:

Additional Benefits:

FREE Online Banking & Bill Pay:

Check balances & transfer funds
View transactions and past statements
Enroll in E-statements
View your loans and make payments
Access tax documents
Remote control your debit cards anytime (lock or unlock your cards if lost or stolen)
Contact IHFCU for assistance by using the “secure mailbox” feature
Log into online banking and pay bills easily by selecting Bill Pay, then follow the instructions for a fast, secure, and convenient way to pay

Surcharge-free ATMs

You can enjoy free access to ATM machines with the Alliance One logo and CO-OP logo.
Visit ‘ATMs” located at the top of our website to find in network ATMs
IMPORTANT NOTICE: Due to recent changes in ATM partnerships, to avoid any ATM fees, you must verify that the “Alliance One” and “CO-OP” logo is on the machine. If it is not, the ATM issuing bank will charge you a fee. This is not a fee from Indiana Heartland.

Indiana Heartland FCU Debit Card

TIP – When you use your Debit Card, signature transactions are always free! Simply choose “credit” and sign for your purchases, just as you would with a credit card. The amount will be deducted from your checking/savings account. If you need cash back, you will have to do your transaction as a “debit” and enter your pin number. You get 8 free “debit” pins a month; thereafter, there is a fee of $1 per each “debit” transaction made at an ATM machine. So we recommend you always choose “credit” for purchases, unless you need cash back.

In the event of fraudulent activity and/or lost or stolen card after hours please keep the following numbers handy:
Lost or stolen card: 1-800-523-417
Fraud Protection Service: 1-800-327-8622 or 1-800-622-1361

Savings

This is the time of your life when you make your dreams happen. Your career and your income are growing, but your expenses have grown too, a car payment, mortgage. It is also time to save for your family’s future…college and retirement Indiana Heartland Federal Credit Union Kids Saving Club
Member Regular Savings Accounts – An insured dividend paying account that may be opened with a minimum amount ($5) and may be added to or withdrawn from as the member so chooses.
Christmas Clubs/Vacation Clubs – A special savings plan to accumulate money for the holiday gifts or a special vacation.
Buck’s Kids Club– It’s never too early to start teaching children the importance of saving for their future! Kid’s Club funds become available at age 18 in order to build smart money habits. As an added bonus, Kid’s Club members receive a special $15 birthday deposit every year from IHFCU!
For our current Savings Account Dividends click on Rates at the top of our page

Share Certificates

A certificate account that earns dividends based on the term invested.
For our current Savings Account Dividends click on Rates at the top of our page.

Insured Deposit

Indiana Heartlands member deposits are insured by the National Credit Union Administration (NCUA). The NCUA is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government.
With the passage of the Emergency Economic Stabilization Act of 2008, member’s deposits are now insured up to at least $250,000* and up to $250,000 for certain retirement accounts. Please refer to this website for more information on how the insurance is calculated.
NCUA Share Insurance Estimator

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