Business Details
50+ Years
experience
Your Trusted Community Bank in Illinois & Iowa
Heartland Bank & Trust has been a cornerstone of community banking since 1920, rooted in central Illinois with a legacy of building relationships. We operate 68 branch locations across Illinois and eastern Iowa, offering personalized financial solutions for individuals, businesses, and agricultural clients. Our services span personal and business banking, mortgage and agricultural loans, wealth management, and innovative digital tools like mobile and online banking. With a focus on local decision-making and competitive rates, we prioritize customer-centric service backed by decades of expertise. Our team of experienced professionals ensures tailored financial strategies, from portfolio management to fiduciary advisory services.We emphasize transparency, security, and convenience through features like fraud alerts, overdraft protection, and 24/7 digital access. Committed to community impact, we extend our services beyond physical locations to support financial goals statewide. Our history of trust and adaptability positions us as a reliable partner for long-term financial success. By combining traditional values with modern technology, we deliver seamless banking experiences that meet evolving customer needs.
Services
Personal Checking
Savings Accounts
Credit Cards
Mortgage Loans
Business Checking
Treasury Services
Merchant Services
Agricultural Loans
Wealth Management
Online Banking
Details
- Year established: 1920
Highlights and features
- We offer local decision-making for personalized service.
- Our team provides competitive mortgage rates and agricultural loan expertise.
- We operate 68 branch locations with digital banking convenience.
- We specialize in fiduciary advisory services and portfolio management.
- Our fraud alerts and overdraft protection prioritize account security.
Services
Mortgage Loans
Our mortgage loans provide competitive rates and personalized service for homebuyers. Local bankers guide clients through the process, ensuring tailored solutions for first-time buyers or seasoned investors. With streamlined approvals and community-focused expertise, we help achieve homeownership goals efficiently.
Agricultural Loans
Agricultural loans support farmers with specialized financing for land, equipment, and operations. Services include crop insurance, farmland appraisals, and management guidance. Our team understands rural economies, offering flexible terms to sustain and grow agricultural enterprises.
Wealth Management
Wealth management combines strategic asset allocation with tax-efficient planning. Our fiduciary advisors create customized portfolios using ETFs, mutual funds, and individual securities. Ongoing monitoring ensures alignment with long-term financial objectives and market conditions.
Online Banking
Online banking delivers 24/7 account access for bill pay, transfers, and financial tools. Features include real-time alerts, eStatements, and secure messaging. This platform empowers users to manage finances conveniently from any device, enhancing control and transparency.
Business Checking
Business checking accounts cater to companies with treasury services and merchant solutions. Features like Autobooks integration and business Connect streamline cash flow management. Localized support ensures tailored financial strategies for growing enterprises.
Questions
How do I enroll in online banking?
Enroll online, visit a branch, or call 888-897-2276 during business hours. Existing customers can access services immediately after registration.
What mortgage loan options are available?
We offer fixed and adjustable-rate mortgages with competitive terms. Local bankers provide personalized guidance for home purchase or refinance needs.
Do you offer agricultural financing?
Yes, we provide farm loans, crop insurance, and farmland appraisal services tailored to agricultural producers' unique requirements.
What security features protect my accounts?
Fraud alerts, transaction controls, and secure messaging safeguard accounts. Lost cards can be deactivated instantly through the mobile app.
What are overdraft protection options?
Options include Overdraft Honor, Transfer Service, or a Reserve Line of credit. Fees apply for covered overdrafts and transfers.
How many branch locations do you have?
We operate 68 branches across Illinois and eastern Iowa, with extended digital services beyond physical locations.
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