Inactive and Dormant Accounts
An inactive account shall be defined as an account on which there has been no activitiy, other than posting of dividends, for a period of two years or more, has a balance
of less than $500.00 and no other savings or loan accounts. If a savings account has a balance of less than $50.00 or a checking account has less than
$120.00, no activity for a six-month period and no other savings or loan accounts they will be considered inactive.
Beginning in 2016, all inactive accounts with less than $500.00, however more than $50.00 that have not had activity for 2 years or more shall be subject to
a $5.00 per quarter inactive fee. All savings accounts that have less than $50.00 and checking accounts that have less than $120.00 are
currently subject to a $5.00 monthly inactive fee.
Dormant/abandoned property shall be defined as property, which has been unclaimed for a period
of 5 years or more as of June 30 of each year. It includes accounts on which there has been no activity, other than the posting of dividends, for a period
of 5 years or more as of June 30 of each year. An account will not be considered dormant/abandoned, even though it otherwise meets this definition, of the owner
of the acount has made tranactions on another account under the same primary account number within the 5-year period, or has indicated to the credit union,
in writing, that he/she has not abandoned his/her account. Dormant/abandoned property is required to be sent to the state each year.
IMPORTANT ATM CARD NOTICE
Walgreens ATMS are once again FREE to our Members!
Heartland FCU has now partnered with Cash Depot to continue offering free ATM service at ALL Nebraska Walgreens stores, not just Omaha and Lincoln.
Click to view a map of all of our FREE ATM locations
|All NE Walgreens |
|All other locations|
Your Current Vehicle Loan With Us
And Save Money
We want to help
you. For a limited time only, if you refinance your 2011 or newer vehicle from
another financial institution with us we will meet or beat your existing rate by
0.50% APR or more*
We will give you a $50.00 gas card at the time of loan closing. You can receive
up to 100% financing!
*With approved credit. Rate can vary
based on creditworthiness, age of vehicle and terms of the loan. Financing up to
retail value of the vehicle is available. Minimum APR will be no lower than
2.20% APR. Minimum of $5,000 new money. This offer is valid only for refinancing
vehicle loans currently held at another financial institution. Rates, terms and
conditions are subject to change without notice. APR - Annual Percentage Rate.
Online statements are a great way to
eliminate paper clutter and have electronic access to your HAFCU
statements. An eStatement is an electronic copy of your statement that
includes the same information as your regular mailed statements. You will have
immediate access to your statement information rather than having to wait for
it in the mail.
eStatement Q & As
Message To Members
Credit Union Deposits Are
Federally Insured To At Least $250,000
Every credit union in
Nebraska has federal deposit insurance just like the FDIC insurance;
deposits are insured to at least $250,000.
The federal insurance
safety-net at credit unions is provided by the National Credit Union
Administration (NCUA) - a U.S. government agency - and backed by the
full faith and credit of the United States.
No member has ever
lost a penny of federally insured deposits in a credit union.
Thank you for visiting Heartland Area Federal
Credit Union's Web Site. You will find a vast assortment of information about
our Credit Union.
We are a Community Charter Credit Union. Our
membership base is now anyone who lives, works, worships, or attends school in
Douglas or Washington County, NE. If you are within
our field of membership, you will be able to apply for membership by clicking on the Membership link on the menu bar. Then fill
out the application and submit to us.
If you are currently a member, you can apply for a loan on line by clicking on Loan App. on the menu bar. Loan applications are
For information on check styles
available from Harland Clarke, visit their web site. Reorder
checks online through Harland Clarke.
Please call the Credit Union office at 402-571-8444,
if you have any questions or suggestions.
Heartland Area Federal Credit Union
All Rights Reserved
Your savings Federally insured to at least $250,000
and backed by the full faith and credit of the United States Government.
National Credit Union Administration,
a U.S. Government Agency.
We do business in accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act.