DUBUQUE BANK AND TRUSDubuque Bank and Trust at leading edge of banking with launch of mobile business account openingT AT LEADING EDGE OF BANKING WITH LAUNCH OF MOBILE BUSINESS ACCOUNT OPENING

Dubuque, Iowa – March 6, 2019 – Dubuque Bank and Trust (DB&T) launched mobile account opening for business deposit products to complement their current online account opening for consumer deposit products. Customers can now open business checking, savings and money market accounts online. In an industry where technology is quickly moving toward digital connectivity, online account opening is a critical step in meeting customer needs.

“We are excited to offer this service which, until now, is only offered by a few of the top ten largest banks in the U.S. And unlike those large banks, our process is completely digital and paperless,” said Lynn “Tut” Fuller, President and CEO, DB&T. “Online account opening for business accounts, coupled with the benefits of our local community banking model, gives us a unique competitive advantage and fulfills our commitment to provide the Big Bank Punch, with the Community Bank Touch.”

Fuller, who also oversees digital strategy for all of Heartland, believes development in this space is critical for the success of their business. “We believe business demands in the mobile channel follow the lead of individual consumers, and the expectation is to be just as cutting edge as other high-tech companies like Amazon or Apple,” said Fuller. “As an organization, we are committed to making our services available to customers when and where they want them. Our goal is to provide a full service bank on a smartphone app, and make employees in branches and service centers instantly aware of customer needs. This gives them the ability to make suggested solutions based upon information gathered in the mobile channel. Having a complete, full service bank in your hand, that’s powerful. This bank has been here for almost 85 years, and we are building the foundation for the next 85 years.”

To open an account, customers can go to www.dubuquebank.com and complete the online application.

About Dubuque Bank and Trust Company
(DB&T), a subsidiary of Heartland Financial USA, Inc., (NASDAQ: HTLF), is a state chartered bank with more than $1.4 billion in assets and serving customers in the Tri-State region of Dubuque County in northeast Iowa, portions of Grant County in southwest Wisconsin and Jo Daviess County in northwest Illinois. Additionally, the bank serves the Keokuk, Iowa and Carthage, Illinois areas through First Community Bank. The bank operates ten branch offices in Dubuque County with three offices in Keokuk and Carthage. The bank specializes in business lending and deposit services, and provides a wide variety of personal credit and deposit services along with complete electronic banking programs. For more information visit www.dubuquebank.com or call (877) 280-1851. DB&T is a member of the Federal Deposit Insurance Corporation and an Equal Housing Lender.

About Heartland Financial USA, Inc.
Heartland Financial USA, Inc. is a diversified financial services company with assets of $11.4 billion. The company provides banking, mortgage, private client, investment and insurance services to individuals and businesses. Heartland currently has 121 banking locations serving 89 communities in Iowa, Illinois, Wisconsin, New Mexico, Arizona, Montana, Colorado, Minnesota, Kansas, Missouri, Texas and California. Additional information about Heartland Financial USA, Inc. is available at www.htlf.com.

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News DUBUQUE BANK AND TRUSDubuque Bank and Trust at leading edge of banking with launch of mobile business account openingT AT LEADING EDGE OF BANKING WITH LAUNCH OF MOBILE BUSINESS ACCOUNT OPENING