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It's easy to apply online at Heartland Bank Direct. The application should take approximately 10-15 minutes to complete. Funding your account will take between 3 and 6 business days if you fund electronically, up to 10 business days if you fund by mailing in a check.

Before you start, have the following information handy:

1. Your Social Security Number or Personal Tax ID Number.
2. Your Driver's License or state-issued ID card issued. If you don't have either of these, we will ask you to mail us copies of other valid identification.
3. For electronic funding, you will need an account number and routing/ABA number for the account from which you want to draw your opening balance.
4. If applying for a joint account, you will need the Secondary Applicant's name, Social Security or Personal Tax ID Number, and Date of Birth.
5. If you are a U.S. resident but not a U.S. citizen, you will need your Resident Alien Card (Green Card) or complete passport information.

You can use this application for an individual or joint account. Once you have submitted your application, we'll email you when your information has been processed, or if we need other information to complete the application.

Anyone who ...

• is at least 18 years of age,
• has a U.S. address,
• and has a U.S. Social Security Number or Personal Tax ID number,

can open a Heartland Bank Direct Performance Savings Account.

Yes you can, and opening a joint account is just as easy as opening an individual account. The primary applicant should complete the application in full, and will need to include the co-applicant's Social Security Number. Once the primary application is done, the co-applicant can fill out his or her application at any time by selecting "Return to the Application" from the home page. Either applicant may fund the new account. We ask you to fill out your applications separately in order to keep everyone's identity secure.

Heartland Bank customers in the St. Louis and Denver metro areas can open Performance Savings Accounts and fund them either electronically or by check from an existing Heartland account -- or just as easily from a non-Heartland account. The only difference is that mailed-in checks on Heartland accounts are not subject to holds. Once your account is opened, you have the additional option of transferring money into your Performance Savings Account over Internet Banking.

Once your account has been opened and you've been cleared for online access, you will find a tab on your screen labeled "Secure Forms." Using one of these forms, you can designate a POD beneficiary by sending us their name, social security or taxpayer ID number, and date of birth. The contents of the form are encrypted, so your beneficiary's information is safe at all times.

The first step is to make sure your account has been opened. Go to the "Open New Account"page and select the option to sign into an existing account:

On the next screen, select the option to "View Application Summary":

If your account has been opened, you must also register for Internet Banking by selecting "First Time Login" from www.heartlandbankdirect.com:

The registration process is a crucial line of protection against identity theft. On the registration form, you'll be asked to confirm your account details, which we will match against your original application.

Within one business day after you've completed the form, you will see a message from "support@heartlandbankdirect.com" about your registration status. If you've been approved, the message will contain your initial username and password.

Then you can start using Internet Banking to view your account information and initiate electronic transfers 24 hours a day, 7 days a week.

Internet Banking makes it simple. You can transfer money into and out of your Heartland Bank Direct Performance Savings Account through Heartland Bank Direct's Funds Transfer page. Specify an account you want to link to your Heartland Bank Direct Performance Savings Account, and once we've verified your access, it's simple, secure, and totally electronic. You can even set up recurring deposits to earn more faster.

Many of our customers move money into their Heartland Bank Direct Performance Savings Accounts via direct deposit at work. If your employer supports direct deposit, simply submit your account number and Heartland Bank Direct's ABA/routing number (081074495) to set up the process.

Please note, though, that under Federal Regulation D, you can make only 6 outbound electronic transfers in a given month. Each transfer over that limit will trigger a $20 charge and may prompt us to close your account. See our Electronic Funds Disclosurefor more details.

Yes, you will receive an eStatement through your Heartland Bank Direct account at least once per quarter, or once for each month in which there is activity on your account. The statement will be delivered electronically in a format you can print for your records.

To set up Direct Deposit, just fill out a Direct Deposit request form with your employer to let them know how much of each paycheck you want to go directly into your Heartland Bank Direct Performance Savings Account.

Yes. Even if you already have direct deposit to another account, your employer can split your existing direct deposit across accounts.

Unlike other Internet banks, we calculate interest on your Heartland Bank Direct Performance Savings Account every day, which means you earn more with .95%.

Interest is deposited monthly to your Heartland Bank Direct Performance Savings Account. And with your interest calculated daily, that can add up to earning even more.

If you decide to close your Heartland Bank Direct account before a monthly interest deposit, a check with your final interest payment will be mailed to the address on your account.

Our eStatements will arrive via a link in your e-mail inbox once every month. You can always view your balance anytime through Online Banking.

If you forget your password, just click on the "forgot your password" option on the Login page for simple instructions. You can also call Customer Support at 877-444-5148.

Every day, you're earning interest on your original deposit plus any previously earned interest-or interest that has compounded. That compounded interest is the APY, or the interest rate paid on your principal plus the previous interest. Since you usually earn interest each day, you get a slightly higher return.

You can transfer money into your Heartland Bank Direct Performance Savings in two ways. One is to provide your Heartland Bank Direct account number and our routing number (081074495) to a bank from which you wish to transfer money. If your bank supports electronic transfers via the Automated Clearinghouse (ACH) network, your transfers will be credited to your Heartland Bank Direct account within three business days after the transfer is initiated.

A better way is to set up a link between your Heartland Bank Direct Performance Savings Account and the account from which you want to transfer money.

Using our Funds Transfer service, you first register the account and routing number from which you want to make a transfer. Within three business days, you will see two small trial deposits in that account.

When you enter the amounts of those deposits into your Funds Transfer screen on Heartland Bank Direct Internet Banking, the accounts will be linked. You can then initiate transfers in both directions 24/7.

Transfers can take up to three business days, and the amount of any transfer will be debited from the account on which it is drawn before showing up as a credit on the destination account. Overnight transfers are also available at a charge of $12 each.

After you've logged in to Internet Banking and signed up for the Funds Transfer service, click on the "Transfer Funds" tab. Under "Select Accounts," look for "Select Payment Type" and choose the option for "Recurring Transfer".

You can set up as many transfers as you like without any service charges. Please note, though, that under Federal Regulation D, you can make only 6 outbound electronic transfers in a given month. Each transfer over that limit will trigger a $20 charge and may prompt us to close your account. See our Electronic Funds Disclosurefor more details.