Set Up and Manage Instant Deposit

Wednesday, January 27, 2021

It's closing time and you’ve taken your last credit card payment for the day. Wouldn’t it be great to have that money in your checking account right now rather than waiting up to 3 days for your bank to fund your account? With Instant Deposit, it's possible!

Setting up and managing your schedule is fast and easy. Simply register your business debit card and select the Instant Deposit schedule that works for you.

You can submit batches of up to $10,000. There’s no limit to the number of batches submitted each day.

Q: Why do I have to register my debit card for Instant Deposit?
By partnering with Visa and MasterCard, we’re able to use the debit networks for instant transfer of funds to your checking account rather than using the traditional and slower method of ACH transfer.

 

Instant Deposit Pricing

Q: What are the fees?
Instant Deposit costs 1% per batch total.

Q: How are fees billed?
Fees will be billed on a monthly basis per Heartland’s normal billing process and will never be charged directly to your debit card. Heartland will only ever push funds to the debit card and will never debit or pull fees from it.

Fees will be billed on a monthly basis per Heartland’s normal billing process.

 

Signing up for Instant Deposit

Sign up is easy!

  1. Click here to log in or to set up new credentials to access Heartland InfoCentral
  2. From your Home Page, tap Schedule Instant Deposit
  3. Review and accept the terms and conditions
  4. Tap Debit Card Information to register the debit card associated with your business checking account. This is the same checking account (DDA) you provided when onboarding to Heartland.
  5. Tap Funds Transfer Schedule to set up your schedule for Instant Deposit. There are a variety of scheduling options to fit your needs:
    • One time - perfect for a single day or for scheduling instant deposit for the current day
    • Recurring - choose the same day or days of the week on an ongoing basis
    • Schedule End Date - set up a recurring schedule that ends on a specific date

 

Update Your Registered Debit Card

Did your card expire? Do you need to update your debit card information for Instant Deposit? No problem!

  1. Log in to Heartland InfoCentral
  2. Tap Schedule Instant Deposit button
  3. Tap Debit Card Information
  4. Update the necessary debit card data
  5. Tap Save

 

Update Your Instant Deposit Schedule

Instant Deposit has flexibility so you can set it and forget it using a recurring schedule, or you can turn it on and off to use when needed.

  1. Log in to Heartland InfoCentral
  2. Tap Schedule Instant Deposit button
  3. Tap Funds Transfer Schedule
  4. Choose your new schedule
  5. Tap Save

 

Need Help?
Our support team can assist you with getting started with Instant Deposit or answering any questions.

866-400-8627 (8am - 7pm EST Monday - Friday)

Instantdeposit@heartland.us