Estate planning at Heartland
How to protect 19 Heartland accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Heartland's Wealth Management / Trust Administration
Customer Care Center
Phone614-416-4601
Toll-Free800-697-0049
Mailing Address
430 N Hamilton Rd, Suite 200, Whitehall, OH 43213
WebsiteLearn more→
Branch Banking / Customer Care
Phone800-697-0049
Mailing Address
430 N Hamilton Rd, Suite 200, Whitehall, OH 43213
WebsiteNotify online→
Verified Apr 2026
Heartland offers 19 consumer accounts that interact with estate planning in distinct ways. Of those, 16 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Heartland lets account holders update beneficiary designations in branch and by phone, typically taking 15-30 minutes in branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
There are two sides to estate planning at Heartland: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 19 account types at Heartland.
View details →When someone dies
Death claim process
Contact Heartland's Wealth Management / Trust Administration to file a claim. 3-step process, 8 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Heartland's Wealth Management / Trust Administration at 855-244-1217.
Because Heartland serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Heartland BancCorp merged into German American Bancorp, Inc. effective February 1, 2025. Heartland Bank continues to operate as "Heartland Bank, a Division of German American Bank" in the Columbus, Ohio and Greater Cincinnati markets. Existing accounts, routing numbers, and branch locations were maintained through the transition. The combined organization has approximately $8.3 billion in total assets and 94 branch locations across Indiana, Kentucky, and Ohio.
Heartland Bank operates 20 retail banking offices in Ohio and Kentucky, covering Fairfield, Franklin, and Licking counties in the Columbus metro area and Boone, Campbell, Kenton, and Hamilton counties in Greater Cincinnati and Northern Kentucky. As a division of German American Bank, the combined organization operates 94 locations across Indiana, Kentucky, and Ohio.
Yes. Heartland Bank checking, savings, money market, and CD accounts can be retitled to a revocable living trust. Visit any branch with your trust agreement or Certification of Trust, government-issued photo ID for all trustees, and the trust tax identification number. IRA accounts cannot be retitled to a trust, but you can name a trust as the IRA beneficiary.
Round Up Savings is a hands-free savings tool that rounds up your balance to the nearest dollar with every check card purchase you make. The difference is automatically deposited into your linked savings account from your checking account. You need a Heartland Bank checking account with a debit card to participate.
Yes. Heartland Bank offers trust administration and wealth management services through its Wealth Management division, including trust administration, asset management, estate planning support, and wealth advisory services. Contact the Wealth Management department at (855) 244-1217 or visit heartland.bank/wealth-management for more information.
Heartland Bank offers several checking account options: Free Checking (no monthly fee, no minimum balance), Basic Checking, Advantage Checking (interest-bearing), Premium Checking (highest rates and features), $MART Checking, e-$MART Checking (digital-focused), and Student Checking. Use the Checking Account Selector at heartland.bank/personal-banking/checking-accounts/checking-account-selector to compare features.
Heartland Bank offers standard Certificates of Deposit with terms ranging from one month to five years, as well as periodic CD Specials with promotional rates. All CDs are FDIC-insured up to $250,000. IRA CDs are also available for retirement savings. Early withdrawal penalties apply. Contact a branch or visit heartland.bank/personal-banking/cds for current rates.
Sources
Data sourced from Heartland primary sources (19 pages reviewed). How we research.
Customer Care Center
Phone614-416-4601
Toll-Free800-697-0049
Mailing Address
430 N Hamilton Rd, Suite 200, Whitehall, OH 43213
WebsiteLearn more→
Branch Banking / Customer Care
Phone800-697-0049
Mailing Address
430 N Hamilton Rd, Suite 200, Whitehall, OH 43213
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Heartland accounts and other assets with trusts, beneficiary designations, and estate planning documents.
