specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Heartland Financial USA
providerId: heartland-financial-usa
created: '2026-05-04'
modified: '2026-09-14'
generated: '2026-09-14'
method: searched
reconciled: true
source: >-
  Searched for an HTLF pricing, plans or developer page on every host this record knows and
  found none, because the company no longer operates: UMB Financial completed the acquisition
  of Heartland Financial USA on 2025-01-31 and completed the brand and systems conversion of
  every former HTLF divisional bank in October 2025. htlf.com answers HTTP 400 to every path,
  and api.htlf.com / developer.htlf.com return NXDOMAIN.
tags:
  - Banking
  - Financial Services
  - Acquired
  - Defunct
plan_count: 0
notes: >-
  HONEST ZERO. Heartland Financial USA published no API plans, no API pricing page and no
  developer program at any point, and the company has since been fully absorbed into UMB
  Financial Corporation. A previous bulk-sweep revision of this file asserted a
  "Partner / Bilateral Agreement" tier; that tier was generated, not observed, and has been
  removed — there is no published evidence HTLF ever ran a partner API program. UMB's own
  banking-API surface is a different company's product and is tracked under all/umb-financial/;
  it is deliberately not imported here.
sources:
  - url: https://www.htlf.com/
    status: 400
  - url: https://api.htlf.com/
    status: 0
    note: NXDOMAIN
  - url: https://developer.htlf.com/
    status: 0
    note: NXDOMAIN
  - url: https://investorrelations.umb.com/news/news-details/2025/UMB-Financial-Corporation-Completes-Acquisition-of-Heartland-Financial-USA-Inc/default.aspx
    status: 200
description: >-
  Heartland Financial USA publishes no API plans or pricing. plan_count is 0 because the
  company is defunct and absorbed, not because pricing was gated.
plans: []
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com