ATMChecking - Routing Number 274974658

  • No monthly service charge
  • No minimum balance requirement
  • No per-check charges
  • FREE Debit Card
  • FREE E-Statements
  • Earns Dividends of .15%APY Compounded Quarterly
  • Click here to Reorder Checks


  • No monthly service charge
  • No minimum balance requirement
  • No per-check charges
  • FREE Debit Card
  • FREE Bill Payer Service-E-Z Pay
  • FREE ATM transactions at “Alliance One” logo machines.*
  • FREE telephone and Internet transactions
  • FREE E-Statements
  • Earns Dividends  of .15%APY Compounded Quarterly
  • Click here to Reorder Checks

Electronic Transactions

  • ATM deposits/payments/withdrawals
  • Debit Card
  • Perfect Teller - (Online Banking)
  • Indiana Heartland Bill Payer Service – E-Z Pay
  • Mail Deposits

FREE Home Banking

  • Log on anytime to check your balances, verify transactions, transfer funds, pay bills, reorder checks, and register for e-Statements

FREE Online Bill Pay – E-Z PAY

  • Now with E-Z PAY, paying your bills has never been easier. Just click on "Online Banking" at the top, login, then look for "Bill Pay" and follow the instructions. EZ-PAY will save you time and money in managing your financial obligations. It’s as easy as 1.2.3!

Surcharge-free ATMs

  • You can enjoy free access to ATM machines with the Alliance One logo and CO-OP logo.                                 
  • 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.
  • For Fraudulent Activity or Lost or Stolen ATM/Debit Cards call: 1-800-523-4175


  • 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 retirementIndiana 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.
  • Kid's 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 Clubs receive a special birthday month deposit yearly.  
  • 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