On February 1, Town and Country Bank / Peoples Prosperity Bank merged with Heartland Bank and Trust Company and operate as branches of Heartland Bank. Heartland Bank is a wholly owned subsidiary of HBT Financial, Inc., headquartered in Bloomington, Illinois. The merging of Town and Country Bank / Peoples Prosperity Bank data into Heartland Bank systems begins at close of business on Friday, April 21. To ensure a seamless transition, your online banking, bill pay, and mobile banking services may be unavailable from April 22 until the morning of Monday, April 24.

For the most up-to-date merger information, please visit https://www.hbtbank.com/welcome. Heartland Bank is committed to ensuring a smooth transition with a minimal impact on customers. Please look for additional information in the next few months.

Overdraft Protection

If you have not opted-in to Overdraft Privilege Plus, your MasterCard® debit card and/or ATM card transactions is/are not protected.

Please read the following and fill out the secure form at the bottom of the page if you intend to opt-in your checking account(s). The information is submitted to a secure system. Remember, we would never ask you to send sensitive personal information through unsecured channels such as e-mail.

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  • We have standard overdraft practices that come with your account
  • We also offer overdraft protection plans, such as linking your checking account to a savings account, which may be less expensive than our standard overdraft practices. 

Available Overdraft Protection Plans

Savings Link

Savings Link allows you to set up an automated transfer between your checking account and other qualifying accounts to cover any unexpected mishaps.

  • $3.33 per transfer
  • Limited to 6 transfers from a savings account per statement period.

Visit one of our branches to get set up.


Available to credit-qualified customers. Advances when checking account transactions exceed the balance in the account. Convenient repayment terms.

  • $34.97 annual fee
  • 10.99% Annual Percentage Rate (APR)

Visit one of our branches to apply. Subject to credit approval.

Available Overdraft Privilege Plans

Overdraft Privilege (ODP) Basic

For qualified customers. Discretionary service with dynamic limits. Gives peace of mind so you don't have to worry about your checks, ACH items, automatic bill payments recurring debit card transactions.

  • No fee unless service is used
  • No fee if the account is overdrawn by $5.00 or less
  • $32.83 for each item paid or returned
  • Limited to 5 fees per day (consumer accounts only)

This feature is enabled automatically at the bank's discretion. See the Overdraft Privilege Service description for more complete information.

Overdraft Privilege (ODP) Plus

In addition to services offered by ODP Basic, our ODP Plus is a discretionary service that includes ATM transactions and everyday check card transactions.

  • No fee unless service is used
  • No fee if the account is overdrawn by $5.00 or less
  • $32.83 for each item paid or returned
  • Limited to 5 fees per day (consumer accounts only)

Visit one of our branches to get set up. You may opt-out at any time.

Visit the Federal Reserve website to find additional information regarding your overdraft choice.

Standard Overdraft Practices

We do authorize and pay overdrafts for checks and other transactions made using your checking account number, including automatic bill payments.

We will not authorize and pay overdrafts for the following types of transactions unless you ask us to:

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

Overdraft Fees

Under our standard overdraft practices, we will charge you:

  • Up to $32.83 per item
  • $32.83 on returned NSF, per item

Authorize Overdrafts on ATM and Everyday Debit Card Transactions

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please contact us by calling toll free 866.770.3100 or fill out the form below.

Revoke the Previous Election

If you would like to change your selection, you can also call us at 866.770.3100. You may revoke Overdraft Privilege Plus at any time.