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Personal FAQs

Can I stop receiving my statements in the mail?
Yes, sign into Digital Banking, select the account you wish to modify, and select Documents. Click the box next to the account that you want to receive electronically. From here, select Sign Up / Changes to enroll in eStatements and discontinue paper statements.

What kind of fees can I expect?
This varies depending upon which type of account you have. Please contact your local branch for details.

What if I overdraw my account?
This varies by account type. Bounce protection is available for some accounts but certain rules apply. Please contact a branch office for additional information.

How do I set up my direct deposit?
Contact your employer to obtain the proper form, or download our form to complete and turn into your employer.

How/where can I make my Credit Card payment?
You can mail your credit card payment to the address listed on the statement or make your payment at any HHSB location. You can also pay online through bill pay.  

Where can I see my Credit Card information?
You can register at https://mycardstatement.com and view your account balances.

Report a Lost/Stolen Debit/ ATM Card or a Lost/Stolen Credit Card.

Debit/ATM Card
Call us immediately at 765-364-0784. After business hours call 866-546-8273. Report any stolen cards or fraud to the local law enforcement.

Hoosier Heartland State Bank Credit Card
Call us immediately at 765-364-0784 during business hours or 800-423-7503 to report 24 hours a day, 7 days a week. Report any stolen cards or fraud to local law enforcement.

Report Lost/Stolen Checks/Check Fraud/Unauthorized Activity and identity theft.

Lost or Stolen Checks, Check Fraud, Unauthorized Account Activity
Call us immediately at 765-364-0784. If after hours, please leave a message at the same number with your callback number. Report any stolen checks or check fraud to the local law enforcement.

Identity Theft
If you believe that your identity has been stolen, please contact us immediately at 765-364-0784. If after hours, please leave a message at the same number with your callback number.

Do you have a coin counter?
We have coin counters at our Crawfordsville East and Crawfordsville South locations.

How late can ACH transactions post to my account?
ACH transactions have to be posted by 9 A.M.

Do I have to order checks at the branch?
Your first order must be ordered through the branch. Additional orders have to be placed online on our Check Reordering Page.

Do you have notary services?
Yes, we offer notary services. A small fee may apply. We recommend you call ahead to ensure a notary will be available at the your preferred branch.

What personal information is needed to submit with a mortgage application?
You can find a list of the items typically required to process a mortgage application here.

Please contact one of our registered Mortgage Loan Originators for additional information regarding the application process.

What are your mortgage rates?
We offer numerous options for mortgage products and each product has its own rate structure. Please contact a loan officer for current information.

Can I schedule online payments for a future date and/or reoccurring payments?
Yes. It is very simple to do in the Payment section of online banking.

Can I change the due date on my loan?
This depends on the type of loan you have. Generally the due date on a residential mortgage loan cannot be changed.

Can I pay extra on each loan payment?
Absolutely! Any extra that you pay will reduce the principal on your loan.

Is the loan balance on my online banking account my actual payoff amount?
No, this is your principal balance and does not include any accrued interest or possible fees. You need to contact a branch office to find out the actual payoff amount.

If I have a checking/savings account that requires two signatures for withdrawal, can I transfer funds out of it online?
Yes. If the account is added to an online banking account, there is no monitoring of the number of signatures required.

Why is my credit report important?
Your financial habits over the past 7 to 10 years, including the amount of credit you have, the length of time you have had it and whether your bills were paid on time is the information encompassed in your credit report. Equifax, Transunion and Experian are the three credit reporting agencies that preserve these reports and sell them to lenders to assist them in making decisions about loan qualifications. The credit report that is purchased by the lender also includes your credit score that can range between 309 and 844, which helps the lender decide whether to extend credit to you and what interest rate to charge you. Typically, as your credit score increases, the rate you pay to borrow money decreases.

All consumers are entitled to receive a free credit report from all three credit reporting agencies once every 12 months. The only agency endorsed by the Federal Trade Commission to provide the free reports is AnnualCreditReport.com: www.annualcreditreport.com.

How much do I need to save for retirement?
According to the U.S. Department of Labor, fewer than half of Americans have calculated how much they need to save for retirement. Many private industry workers with access to a defined contribution plan such as a 401 (k) plan do not participate and the average American spends 20 years in retirement. Know that retirement is expensive. U.S. Department of Labor experts estimate that you will need at least 70 percent of your income to be able to maintain your standard of living. Low earners would need roughly 90 percent.

How can I save for retirement?
  • Contribute to your employer’s defined contribution plan if you have one available.

  • Put money into an individual retirement account (IRA). Determine whether a Roth or Traditional IRA is the best investment for your financial situation. You can set up funding for this type of investment to be automatically and conveniently transferred from your existing accounts.

  • Consult a financial advisor such as our financial professional. There is never a bad time to ask questions AND there are no bad questions to ask. Any of our staff will be able to get answers for your questions about retirement.

What if I forget my debit card PIN (personal identification number)?
You can take your debit card into any branch location and we can reset the PIN for you.

Can I get my debit card limit raised?
Debit card limits can be raised by calling any branch office during business hours. Normal limits set at time of card issue are $1,500 per day for point of sale transactions and $500 per day limit for ATM transactions for your protection.

How can I change my address?

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