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Checking Done Differently

Heartland’s new Beyond Spending accounts will change how you think about your checking account. Whether you’re looking to maximize your returns, enjoy money-saving perks, or simply manage your everyday spending with ease, our Beyond Spending accounts offer a range of options to fit your unique financial needs. Discover how our Beyond Spending accounts can elevate your financial journey today.

Beyond Ultimate

Designed for those who want more from their banking experience and maintain a higher balance. Earn dividends and take advantage of money-saving benefits—powered by BaZing—like cell phone protection, ID theft aid, healthcare savings, local and national discounts, and more.

Earn Dividends on Your Beyond Ultimate Balance

202Our best spending account rate. Earn dividends with no minimum balance.

Cell Phone Protection2,3

cell-phonePay your cell phone bill with your Beyond Spending account, and you're covered. We'll pay to have it repaired or replaced, up to $1,000 per claim (maximum of $2,000 per year).

Health Savings Card

healthSave money on prescriptions, eye exams, frames, lenses and hearing services.

Buyer's Protection and Extended Warranty2,3

buyer-protectYour newly purchased item can be reimbursed or replaced if an accident or theft occurs within 90 days of purchase, when purchased using your Beyond Spending account.

Billshark4

billsharkLet the Billshark team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.

Trip Cancellation and Interruption2

trip_1Receive reimbursement for canceled or interrupted trips when you purchase the entire trip from your Beyond Spending account.

Shop Local, Save Local1

shop-localLocal discounts and national retailer deals to save you money on shopping, dining, travel and more.

Roadside Assistance

roadsideAvailable 24/7 and free to use, covers up to $80 in covered service charges.

ID Theft Aid2,3,4

id-theftPersonal Identity Theft Benefit: Receive up to $5,000 reimbursement for covered expenses you incur to restore your identity.

Identity Restoration and Payment Card Resolution: Identity restoration specialist works on your behalf to restore your identity, and cancel payment cards.

Credit Monitoring and Credit Report: Monitor changes and new activity on your credit report and review your credit report quarterly.

Identity Monitoring: Monitors the dark web to identify activity associated with your identity, including public records, change of address, social security, and non-credit loans.

Pet Insurance4

petPreferred rates on pet insurance. Coverage includes free ID tags linked in pet cloud, 24/7 virtual vet, pet Rx and more!

Open a Beyond account, download the Bazing app, and start saving today.
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Checking Done Differently

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Checking Done Differently

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Tools to simplify your money management

In addition to traditional checking account features like check writing and a free debit card, you’ll also have access to these convenient tools.

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Beyond Essential

Beyond Essential has all your daily banking needs covered, plus perks! Save with access to benefits like cell phone protection, ID theft aid, healthcare savings, local and national discounts, and more with no minimum balance required.

  • Cell Phone Protection
  • Health Savings Card
  • Shop Local, Save Local
  • Roadside Assistance
  • ID Theft Aid
  • Buyer's Protection and Extended Warranty
  • Billshark
  • Pet Insurance
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Beyond Freedom

With all the essential tools at your fingertips, managing your money is simple and convenient with Beyond Freedom. Enjoy easy access to your funds, secure transactions, and the flexibility to handle your daily finances effortlessly.

Features to make life a little easier

Every Beyond Spending account comes with all the features you’d expect from a traditional checking account, like a free HCU Visa Debit Card, Digital Banking, Overdraft Protection, and Early Payday. Beyond account holders also earn a discount on HCU Personal and Auto loans!

Overdraft Protection with low $9 fees with every HCU spending account.

Get access to your direct deposit funds up to 2 days early, and stay ahead of the budgeting game.
With the Co-op ATM network, you'll have access to over 30,000 free ATMs wherever you travel.  

Change is Good will round up your debit card purchase and place the excess amount directly into savings.

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Choose the Beyond Account that's right for you!

Beyond Essential

cell-phoneReceive up to $1,000 per claim ($2,000 per year) if your cell phone is broken or stolen.

Available 24/7 and free to use, up to $80 in covered service charges.

Receive reimbursement for canceled or interrupted trips when you purchase the entire trip from your Beyond Spending account.

Access your account anytime from your computer, tablet, or smartphone. Check balances, make transfers, pay bills, and more.

$6/Month

Only $6 per month.

Most Popular

Beyond Ultimate

dividendOur best spending account rate. Earn dividends with no minimum balance.

healthSave money on prescriptions, eye exams, frames, lenses and hearing services.

$10/Month

Maintain a $2,500 minimum balance, and we'll waive the $10 monthly fee.

Beyond Freedom

Access your account anytime from your computer, tablet, or smartphone. Check balances, make transfers, pay bills, and more.

$7/Month

Reduce the fee by $3 by enrolling in eStatements. Reduce the fee by $4 by swiping your debit card 15 times per month.

Frequently Asked Questions About Spending Accounts

A Spending account is the new Checking account. In today’s world, members are using debit cards, mobile wallets, and other forms of payments to purchase items and pay bills. With fewer checks being used, Spending account more accuratelydescribes the account.

Other Spending Accounts

If you're looking for a Spending account for your child under the age of 19, or an account that can help you rebuild your financial picture, we have you covered!

Gateway

Gateway

For members under the age of 19. No monthly fees, no minimum balance, and cash back.
Gateway Checking
Renew

Renew

Designed for learning how to navigate a checking account and build good credit habits.
Renew Checking

Have an HCU representative contact you about a Beyond Spending account.

Or call 800.428.8472 to speak to a member of our team.

You can always stop by one of our 9 branches in Hutchinson, Haven, Hays, Ness City, Newton, or Wichita, Kansas.

*Membership Required. 2.00% with an Annual Percentage yield of 2.02% on balances from $0 to $5,000, .35% with an APY of .35% on balances from $5,000.01 to $10,000, .20% with an APY of .20% on balances from $10,000.01 to $25,000, and .10% with an APY of .10% on balances greater than $25,000 for the current dividend period. 1Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. 2Subject to the terms and conditions detailed in the Guide to Benefits. 3Insurance products are: NOT A DEPOSIT. NOT NCUA-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE CREDIT UNION. 4Requires activation.