Hbankusa About
Heartland Bank aks Hbankusa, founded in 1911, is a medium-sized bank with $900 million in assets and $780 million in deposits. It is based in Gahanna, Ohio, and does not provide the same level of customer service like other banks.
It’s a brick-and-mortar bank, which means it offers in-person assistance as well as online and mobile banking. With a remarkable 4.3 out of 5-star rating, Heartland Bank proves that it is a great solution that should get looked evaluated.
Heartland Bank (Hbankusa) offers savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products, and credit cards. It enables a favorable savings rate that of other well-known banks. The savings account from Heartland Bank has no monthly or maintenance fees, making it an excellent everyday account.
Why should you keep your checking and savings accounts with the same bank? The ease with which you can transfer funds between the two accounts equates to higher interest rates in your savings account while still allowing you to use your checking account to make purchases.
Interested and want to know more about the bank? Keep scrolling the page and find out detailed information about the same.
A Look at the Service Quality
Hbankusa (Heartland Bank) is a traditional bank with 18 locations in Ohio. It also allows users to use mobile and web apps for a simple mobile banking experience.
Users admire Heartland Bank’s online presence: the Heartland Bank mobile app has received a 3.9 out of 5 ratings (out of 21 ratings on iOS and Android), higher than the national average of 3.8. The Heartland Bank mobile app allows you to manage your accounts by checking balances, transferring funds, and contacting customer support.
Because there are minimal complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection body, Heartland Bank receives a high customer satisfaction rating.
What Products are Offered?
Heartland Bank (Hbankusa) offers a variety of deposit options, including savings accounts, checking accounts, money market accounts, and CDs, allowing you to manage your money in many ways. Because Heartland Bank does not offer the best savings rate, you should look into other banks to see if you can get a higher return on your money.
CDs are a terrific method to increase your earnings, but they do come with some limits on how you can access your money. Heartland Bank’s CD rates are competitive compared to the average US bank.
Rates
Heartland Bank offers a reasonable savings rate of 0.02 percent compared to the national average. Heartland Bank’s CD rates for one-year and five-year terms are 0.10 percent and 0.40 percent, respectively, while its highest-yielding money market account pays 0.10 percent. It has a competitive savings rate, which means you can get a better deal at other banks. You might wish to consider opening a savings account somewhere else.
Fees
Compared to the average American bank, Heartland Bank charges exceptionally minimal fees. Its checking account features no monthly amount, making it ideal for anyone searching for a straight profile. It’s best for people who use the ATM frequently because there are no ATM fees. Heartland Bank also charges a $31 overdraft fee, which is lower than the national average.
Financial Health
It gets classified as a medium-sized bank, with assets of $900 million and deposits of $780 million. Heartland Bank has a Texas Ratio of 2.11 percent, indicating that the bank is in great financial shape and unlikely to fail. Furthermore, Heartland Bank is FDIC-insured, which means that your money is protected (up to $250,000) even if the bank fails.
Conclusion
Heartland Bank is a full-service commercial bank that prioritizes its customers. They pay their depositors exceptionally competitive rates, and they work hard to build a partnership with their borrowers as they assist them in realizing their dreams. It puts a lot of money on cutting-edge technology to make banking more convenient, efficient, and enjoyable for its customers.
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