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.

  • Personal Banking

Personal Checking Accounts

A personal checking account is a foundational way to take control of your finances and manage your money. From free checking to an interest-bearing account, you can pick the best checking account for your financial needs. Regardless of which you choose, our checking accounts give you convenient access to online and mobile banking, free online bill pay, allowing you to schedule payments on time, in addition to offering overdraft protection. Stress-free spending — no strings attached. Get to-do lists done at ease with unlimited transactions, surcharge-free ATMs, and free, time-saving services.

The choice is clear — open your personal checking account today.

Open Now

Open a checking account online in less than 30 minutes or visit one of our locations today to open an account with the assistance of our experienced banking team!

Clear E-Checking

  • No monthly service fee
  • No minimum balance requirement
  • Unlimited monthly transactions
  • Free online and mobile banking
  • Free eStatements

Open now

Clear Checking

  • Avoid $7.48 monthly fee with at least one ACH deposit per statement cycle
  • No minimum balance requirement
  • Unlimited monthly transactions
  • Free online and mobile banking
  • Free paper statements

Open now

Clear Interest Checking

  • Competitive tiered interest rates*
  • Avoid $10.48 monthly fee by maintaining one of the following:
    • $2,500 minimum monthly balance, or
    • $10,000 in combined deposits
  • No minimum balance requirement
  • Unlimited monthly transactions
  • Free online and mobile banking
  • Free eStatements

*Earn higher interest with 10 monthly debit card transactions or $1,000 monthly direct deposit.

Open now

Easy to Switch

Do you want to switch from your current bank to a Heartland Bank and Trust Company checking account? We make it easy. Simply stop by any conveniently located branch or start the process online now today.