Tag Archives: Online Banking

The Top 5 Budgeting Apps to Get You Organized

Budget

Have you noticed yourself hitting the “check out” button a little more frequently when you shop on your phone? You’re not alone. In 2015, mobile commerce grew to a staggering 30% of all U.S. online shopping. This shows a growing trend of mobile purchasing moving billions of dollars in sales via handheld technology.

While smart phones enable spending, they can also be powerful tools for strategic saving. Check out these top budgeting apps and learn how to easily keep track of your finances.

  1. By pulling all your balances and transactions into one simple design, Mint allows you to see the big picture. You can add accounts, cards, and bills and track spending patterns and investments in real time. A budget calculated by your average spending will break down where your cash is flowing from month-to-month and year-to-year so you can watch your savings progress over time. (Free)
  2. If spur-of-the-moment spending is your weakness, PocketGuard is here for you. Connecting directly to your bank accounts, the app’s home screen tells you how much you’ve spent for the day, week, or month in relation to your income. With transactions automatically updated 24/7 you have an instant visual of your personal cash flow. (Free)
  3. Level Money. This helpful app aids you in spending for the short-term and saving for the long-term. By analyzing your income and expenses, Level Money reveals a daily allowance to help you save for a larger purchases or pay down debt. Connect the app straight to your bank account and create goals for saving and spending, all backed by a planning module that sends reminders and encouragements to help you stick to your goals. (Free)
  4. You Need a Budget. YNAB operates on four rules; give every dollar a job, save for a rainy day, roll with the punches, and live on last month’s income. This app adjusts your entire budget to prevent overspending. This app also ensures a constant safety cushion of funds so you’re never scrambling to cover unexpected expenses. ($5/month or $50/year)
  5. Good Budget. Unclutter your envelope budget with this exciting app. Instead of juggling a stack of envelopes for different expenditure categories, you can open digital folders on one simple screen. For joint accounts, you can easily synch the app with your spouse across multiple devices to prevent double dipping into funds. ($15/3 months or $24/6 months)

If you’re ready to take the first steps in re-evaluating your budget stop by Heartland Bank today. With our knowledgeable lenders, we’re here to answer all of your budgeting needs.

Securing Your Identity with Heartland Bank

Online Security

Capture fraudulent activity as soon as it happens with Heartland Bank’s secure Identity Theft Monitoring System. Powered by IDT911, this incredible systems helps users prevent data breaches, and safeguards their information. Learn the top 5 ways to improve your online information with these easy tips courtesy of Heartland Bank.

  1. Be Careful What You Post

When posting onto various social media accounts, be sure you’re not sharing too much! Many criminals can glean personal knowledge like your phone number, address, or children’s names, simply from viewing your public account.

  1. Beef Up Those Passwords

Be sure to maximize the security behind you online accounts with a heavy duty password. The more symbols, capitalizations, and random conjecture put together the better. A simple option to remember is to use symbols instead of letters when possible, so the work “password,” might become p@$$w0rD.

  1. Watch Out for Phishing Scams

If it seems too good to be true it most likely is! Many phishing scams these days however tend to attempt to duplicate a vendor you already know and use. If a familiar company sends you an email asking for immediate action, or confidential information, always check your personal communication and reach out to a company representative using contact information outside of the questionable email. This way you can confirm if the email is authentic without giving them access to any materials they are requesting.

  1. Double Check for Encryption

Before making any transactions online search for the site’s security certification or badge. Be sure that if you’re inputting any financial or credit card information that it remains secure. If no visible security is available on the website it may be best to find a different vendor.

  1. Educate Your Kiddos

Now that you know the ins and outs of online safety, make certain your children are up to the challenge as well! Have a talk with them to go over the right and wrong ways to use the internet, in addition to the areas online to stay away from.

Make sure your online safety is up to par with Heartland Bank’s Identity Theft Monitoring System! Get started to day by calling us at (515) 352-3181.

eStatements and Online Banking

Mobile Banking

eStatements and Online Banking

Heartland Bank provides safe, speedy, and current access to your finances in-and-out of the office. Did you know that you can receive the same quality service on your digital device? Take a look at the benefits of our Online Banking and eStatements options.

Check your balance: When having a conversation about a trip, gift, or medical expense, don’t let the talk derail because of uncertainty surrounding your funds. View your balance and account history in a flash. You can also opt to receive e-mails alerting you to monthly updates to your eStatements so you can stay on top of your finances.

Transfer Funds: Savings, checking… your multiple accounts shouldn’t be a headache to manage. Transfer funds from one account to another with just a couple of clicks.

Automatic payments: Shelling out for your mortgage and car payment each month gets redundant. With the automatic payment system, we’ll remove the monotony of monthly payments. Select a reoccurring expense, and set the amount due by a certain date each month. When the date rolls around, a payment will be made automatically.

Set reminders: If you prefer to pay bills on a month-to-month basis, Online Bill Pay allows you to set e-mail reminders so you can receive notifications and avoid late fees.

Stay organized: Instead of shuffling papers between filing folders, simplify your system by grouping similar payments into categories. Access multiple household expenses like utilities, cable, and electric in one convenient location of your specification.

Go green & stay safe: Digital payments cut down on the need for paper bills, allowing you to opt for an eco-friendly alternative. Plus, it reduces the risk of identity theft and fraud.

Keep a record: Don’t waste time worrying about whether or not you paid your bill. Access a history of your payments with a couple of clicks to put your mind at ease.

For information on extra features or assistance setting up your online account, call Heartland Bank at (866) 420-2800 today!

eStatements and Online Banking

estatements

Heartland Bank provides safe, speedy, and current access to your finances in-and-out of the office. Did you know that you can receive the same quality service on your digital device? Take a look at the benefits of our Online Banking and eStatements options.

Check your balance: When having a conversation about a trip, gift, or medical expense, don’t let the talk derail because of uncertainty surrounding your funds. View your balance and account history in a flash. You can also opt to receive e-mails alerting you to monthly updates to your eStatements so you can stay on top of your finances.

Transfer Funds: Savings, checking, IRA… your multiple accounts shouldn’t be a headache to manage. Transfer funds from one account to another with just a couple of clicks.

Automatic payments: Shelling out for your mortgage and car payment each month gets redundant. With the automatic payment system, we’ll remove the monotony of monthly payments. Select a reoccurring expense, and set the amount due by a certain date each month. When the date rolls around, a payment will be made automatically.

Set reminders: If you prefer to pay bills on a month-to-month basis, Online Bill Pay allows you to set e-mail reminders so you can receive notifications and avoid late fees.

Stay organized: Instead of shuffling papers between filing folders, simplify your system by grouping similar payments into categories. Access multiple household expenses like utilities, cable, and electric in one convenient location of your specification.

Go green & stay safe: Digital payments cut down on the need for paper bills, allowing you to opt for an eco-friendly alternative. Plus, it reduces the risk of identity theft and fraud.

Keep a record: Don’t waste time worrying about whether or not you paid your bill. Access a history of your payments with a couple of clicks to put your mind at ease.

For information on extra features or assistance setting up your online account, call Heartland Bank at (515) 352-3181 today!

Bank Anywhere, Any Time with the Heartland Bank Mobile Banking App

You can put your personal finances at your fingertips with our new Mobile Banking App.

You can put your personal finances at your fingertips with our new Mobile Banking App.

Have you ever thought having your personal line of access to Heartland Bank would be the best thing ever? While we can’t give you a key, we can offer the next best thing: our Mobile Banking app.

The Heartland Bank Mobile Banking app, available for both iOS and Android devices, gives you access to your accounts and many great beneficial features that allow you to have greater control over your personal finances.

Here are a few reasons you should download the Heartland Bank Mobile Banking app today!

Deposit Checks

Don’t leave checks – your money – sitting on your counter waiting to be deposited. The Mobile Deposit feature of our Mobile Banking app allows you to deposit checks by taking a picture of the front and bank, filling in the amount and selecting which account you would like the check to be deposited to. It’s that easy to deposit checks whenever and wherever you want!

Check Balances

Never be surprised by a low balance alert again. You can check the balances of your Heartland Bank checking and savings accounts by simply logging in to our Mobile Banking app and selecting “Accounts.”

Make Transfers

Moving money between your Heartland Bank accounts is easy with the “Transfers” feature. You can complete one-time transfers to cover a lack of funds or to contribute to your savings account.

Pay Bills

Never lick another stamp or send another bill in the mail. Bill Pay in our Mobile Banking app allows you to make one-time or recurring bill payments to vendors. Bill Pay can be utilized for any vendor that accepts ACH or check payments.

Find ATMs

Need cash quick? The ATM Finder in our Mobile Banking app helps you find the ATM location nearest you.

There are many other great features of Heartland Bank’s Mobile Banking app, but don’t simply take our word for it. If you’re an Online Banking customer already, go to the Apple App Store or Google Play Store to download the Heartland Bank Mobile Banking app for yourself.

If you have any questions about the app, feel free to contact your nearest Heartland Bank office.

Heartland Bank, member FDIC