Online Statements Now Available

Electronic billing statements are now available through Ag Banking Online and the Ag Banking mobile app. You can now view your billing statements in your Heritage Land Bank online account, instead of waiting for paper statements in the mail.

Sign up and enjoy the benefits:

  • Secure: statements will not be lost in the mail
  • Quick: statements are delivered on time, every time
  • Convenient: statements are accessible 24/7 in your online account
  • Flexible: statement notifications available by text or email and may be viewed on mobile devices, tablets or personal computers

How to Sign Up

To get electronic billing statements, go to, select Resources and click Ag Banking Online to sign up. If you already have an Ag Banking Online account, login to the site and follow the sign-up instructions for online statements.

We've created a video with step-by-step instructions. Click here to view the video.


Frequently Asked Questions

How do I access Ag Banking Online?

If you already have a user account, type your username in the Ag Banking Username box above and click Login. You will then be prompted for your password. If you don't have a user account and password, click the ”Enroll Now” button above. Complete the required information and then click on the option to submit the information. After we process your enrollment request, you will be able to access your loans online.

Do you have a mobile app?

Yes. We have a mobile app that can be installed on any Apple iOS or Android device. To download the app, visit iTunes Apps Store or Google Play on your mobile device and search for 'Heritage Land Bank'. Our mobile app has all the same functions as our Ag Banking Online website with the exception of enrolling. For more information, download our Ag Banking Online User Guide.

Can I make payments online?

Yes. You can make online payments using your checking or savings account. However, you will first need to register for an online account, and then complete an Automated Clearing House (ACH) form, which can be downloaded here. Once the form is complete, you will be sent an email with instructions on how to set up one-time or recurring payments.

What supported browsers can I use for Ag Banking Online?

Internet Explorer - version 11 or higher
Microsoft Edge - all versions
Google Chrome - version 38 or higher
Mozilla Firefox - version 27 or higher
Safari (Desktop) - versions 7 and higher for OS X 10.9 (Mavericks) and higher (7)
Safari (Mobile) - versions 5 and higher for iOS 5 and higher

I forgot my password.

You have three attempts to login to your account correctly or your account will be automatically disabled. If your account hasn't been disabled, you can use our auto-recovery system. Login with your account username, select the "Forgot Password" box on the password screen, then click the Login button. You will then proceed by choosing a Secure Access Code target, either email or text, depending on the information you submitted on your application. Upon receiving your Secure Access Code, enter the code on our website and you will then be prompted to change your password.

My account is disabled. What do I do?

Accounts will become locked out if more than 3 unsuccessful attempts have been made to access your account online. Please call (903) 534-4975 or send an email to When sending an email, please include your username, name, address, and phone number to help us identify your account. Your account should be enabled within 2 business days.

I made a single or recurring payment online. However, the transaction never occurred. What happened?

Transactions will fail if your account is past due and the next month's billing cycle begins, which typically occurs between the 12th and 15th of each month. In such case, the only recourse is to mail or drop off your payment at your nearest branch. We highly recommend that you make your online payment by the 10th of the month in which it is due to avoid this issue.

My payment is overdue, but the website will not allow me to make a payment or gives me an error. What do I do?

You can make an online payment on an overdue bill up to the 15th day of the month in which the payment is due; however, it is highly recommended all payments be made by the 10th of each month to account for weekends and holidays. After the 15th, the website will not allow online payments – you will have to contact your local branch.

I have updated my address through Ag Banking Online. Why are my monthly statements still being sent to my old address?

Our Ag Banking Online database does not communicate address and phone number changes to our internal accounting systems. Please contact your nearest branch to change your mailing address.

How often will I have to register my computer or mobile device using a Secure Access Code?

You will typically only have to register one time on each device you use to access your Ag Banking Online account, whether it is your home computer, work computer, or mobile device. However, if you use multiple Internet browsers, such as Internet Explorer, Firefox, Safari, or Google Chrome, on your computer, you will have to register once for each browser you use to access your account. This is because the “cookie” that registers the computer is unique to the specifications of the specific browser and cannot be transferred. Also, if you have a security program that clears your “cookies” or you clear them manually, you be required to re-register your computer the next time you attempt to access the online application.

I have requested a Secure Access Code by email, but every time I go to get the email I am forced to go through this process again. What should I do?

If you navigate away from the online banking page during the registration process, you will have to start again. If you are using a browser to access your email, you should access it by opening a new browser window or tab to avoid navigating away from the online banking page. If you click on the “File” menu in your browser and then select “New Window,” this will allow you to retrieve your email while keeping our online session open in the background. Once you receive the e-mail with your temporary access code, copy that code down and minimize the new email window. Behind that window, the online session will still be open waiting for your code. If you continue to have difficulties, we suggest using a cell phone number instead of an email address to receive your secure access code.

If you notice that you have to continue to request a security code every time you login, you may need to check your PC cleaning software to ensure it is not deleting cookies on your PC or configure your browser to preserve website data.

How long is this secure access code valid?

The secure authentication code is good for 60 minutes from the time it is requested. If you do not use this code within this time, you will need to request a new secure access code.

I requested a temporary access code via cell phone (SMS/text) or email thirty minutes ago and still have not received it. Why is it so slow?

Verify the cell phone number or email address you selected is valid. Verify the notification did not go to your junk mail. If that is not the problem, try a different delivery channel because some Internet providers have slower delivery than others. You can also contact your local branch office and we can help you through the process.

What is Multi-Factor Authentication (MFA) and its purpose?

Multi-Factor Authentication (MFA) is a security feature designed to protect online banking customers from the growing number of Internet security threats. Any time you use a new computer or browser (such as Internet Explorer, Firefox, Safari, or Google Chrome) to access your online account, the browser registration is required. If, for example, you use both a home computer and an office computer to access your account, both computers will need to be registered. This allows us to verify that only authorized users are accessing your online banking information.

The registration process is easy:

  1. When you log on for the first time from a new browser or computer, you will be asked which cell phone number (if you provided the phone number) or email address your temporary access code should be sent. It is important to keep your online contact information up-to-date to ensure future delivery of a temporary access code to the authorized user.
  2. Normally within 30 seconds, you will receive your temporary access code in a very simple message that only contains the requested code. If you select email as the delivery method, please check your “junk mail” box if you don’t immediately receive the message. You can configure your “junk mail” setting to allow future email from our address.
  3. You will input the temporary access code where instructed on the registration screen.

Where can I find the online disclosure agreement?

You can download and read our Revised Ag Banking Online Disclosure Agreement by clicking this link.