1-800-HILLSBK • Member FDIC
Equal Housing LenderPrivacy Policy/Terms & Conditions
Personal Checking Accounts
Hills Bank and Trust Company offers a variety of checking accounts for every lifestyle. Review the accounts below and when you find one that meets your needs, you can apply for the account online. If you would rather open your account in person, feel free to visit any of our convenient Hills Bank locations to speak to a Customer Service Representative.
| Account Type | Minimum Balance | Monthly Service Charge |
# Checks per Month |
Interest Bearing |
|
| Free Checking |  |
None | None | unlimited | no |
| GO! Checking | |
None | None | unlimited | no |
| Welcome Checking | |
$100 | $0 if balance is maintained | unlimited | no |
| Homeowners' Checking | |
No minimum balance if home loan payment is automatically deducted; No minimum balance with a Hills Bank secondary market home loan |
$0 if requirements are maintained | unlimited | no |
| Health Savings Account | |
None | $3 (plus Iowa state sales tax) | unlimited | yes |
| Gold Checking | |
$1,000 minimum daily balance or combined relationship daily deposit balance of $5,000. | $0 if balance is maintained | unlimited | yes |
| Employee Advantage | |
None | None | unlimited | yes |
| Educators' Package | |
None | None | unlimited | yes |
Ready to make the switch? Apply online or get started with our switch kit.
Simplify your banking. With a checking account package, you get the best combination of products and services to meet your financial needs. Take the first step to an easier and more rewarding financial life. Choose between an ez Package, Homeowners’ Package, or a Golden Package today!
ez Package
Features
- Free Hills Bank OnlineSM
- Free PowerPayTM
- Hills Bank debit card^ with Classroom CashSM
- Free access to over 60 Hills Bank ATMs
- No minimum to open
- No minimum balance
- Free check safekeeping of canceled checks of canceled checks or eStatement
- $3* monthly fee with returned check images
- $1* per non-Hills Bank ATM withdrawal^^
or
Welcome Checking Account
- $100 minimum to open
- $100 minimum daily balance (If daily balance falls below minimum, a $12** monthly basic fee will be assessed)
- Free check safekeeping of canceled checks, eStatement or returned check images
- 6 free non-Hills Bank ATM withdrawals per statement cycle^^
($1* each after 6)
Homeowners' Package
Features
- Free Hills Bank OnlineSM
- Free PowerPayTM
- Hills Bank debit card^ with Classroom CashSM
- Over 60 free Hills Bank ATMs
- Unlimited free Hills Bank and non-Hills Bank ATM transactions^^
- 50 free personalized checks
- Free small safe deposit box for one year (or credit toward a larger box)
- 0.25% consumer loan discount (one time use; not valid on home equity products)
- No minimum daily balance if home loan payment or home equity loan payment is automatically deducted from this account (if automatic deduction is discontinued, account converts to Free Checking)
- No minimum balance with a Hills Bank secondary market home loan
- Free check safekeeping of canceled checks, eStatement, or returned check images
Golden Package
Features
- Free Hills Bank OnlineSM
- Free PowerPayTM
- Hills Bank debit card^ with Classroom CashSM
- Over 60 free Hills Bank ATMs
- Unlimited free Hills Bank and non-Hills Bank ATM transactions^^
- Free box of personalized checks
- Free small safe deposit box for one year (or credit toward a larger box)
Gold Checking Account
- $1,000 minimum daily balance or combined relationship daily deposit balance of $5,000 on the statement date (combined relationship balances are based on banking relationships of the first person listed on this account, who may be listed on other accounts as an owner, joint owner, or sole proprietor)
- check safekeeping of canceled checks, eStatement, or returned check images
- No monthly fee for Friends ClubSM members
- If daily balance falls below minimum, a $9** monthly basic fee will be assessed
* Subject to Iowa state sales tax
** Subject to Iowa state sales tax
*** Safe Deposit Box contents are not FDIC insured
^ Subject to credit approval
^^ A fee may be imposed by a non-Hills Bank ATM owner
Employee Advantage
As an employee of a participating company, you can take advantage of discounted financial services from Hills Bank. If you are not sure if your company participates, contact any Hills Bank location to find out.
Benefits
- Local Ownership. We provide local decision making with empowered employees who are excited about building relationships.
- Flexible Banking. Convenient locations and hours make banking easy for you. Access your accounts 24 hours a day with Push Button Banker or Hills Bank Online.
- Diverse Solutions. As a full-service financial provider, we offer a variety of business and personal deposit and loan products.
Features
Employee Advantage Free Checking Account- No minimum balance
- No monthly service fee
- Interest earned each day the collected balance is $1,000 or greater
- No annual fee debit card^ with Classroom Cash
- Unlimited free transactions (a fee may be imposed by a non-Hills Bank ATM owner)
- Free Hills Bank Online SM
- Free PowerPay TM
- Free check safekeeping or eStatement
- Free first box of personalized checks
- When your application for a Personal Loan or Auto Loan is approved, you will receive a discounted rate.
- Receive a discount on closing costs for a secondary market home loan.**
- By opening an Employee Advantage Checking Account, you automatically qualify for an Employee Advantage Savings Account. This account earns interest and has no minimum balance requirement.^^
- Set up overdraft protection and automatically transfer funds from your savings account to your checking account in the event of an overdraft ($5 per automatic transfer).
- The Employee Advantage Money Market account allows you to earn a higher interest rate than the Employee Advantage Savings Account. The interest rate is variable and paid on balances over $1,000.^^
Hills Bank reserves the right to deny bank services to anyone if their financial history does not meet the standards applied to all Hills Bank customers. Your Employee Advantage Checking, Employee Advantage Savings and Employee Advantage Money Market accounts will be converted to a Free Checking, Regular Savings and Money Market Account when you are no longer employed by a business participating in Employee Advantage.
^Subject to credit approval
^^Limit of six transfers or withdrawals per month by pre-authorized, automatic, Hills Bank OnlineSM
*Discount loan rates not valid on Home Equity products. Discounted Loan Rate is a one-time offer. Loans, credit cards and other credit services are all subject to credit approval. See your Hills Bank Personal Banker for details.
**Offer valid on first mortgage purchase of owner occupied properties. Applicants must be employed by a participing Employee Advantage affiliated company. Limit one coupon per customer and must be used at time of application.
Switch to Hills Bank: it's hassle-free and as easy as 1-2-3.
1. Open a Hills Bank Checking Account
Apply online whenever it fits your schedule or visit any of our 13 convenient locations to open your account. Have more questions? Feel free to call 1-800-HILLSBK or email us for more information.
2. Make the Switch
We will help you switch all your direct deposits and automatic payments, so leave the details to us. We'll just need the names, addresses, phone numbers, account numbers, and amounts you want to switch. A copy of your most recent bank statement would be helpful and can move the process along even faster.
When all the forms are complete, we will mail them to you for your signature, along with a postage-paid envelope to return your signed forms.
If you prefer to take care of the paperwork on your own, a helpful checklist and the forms you’ll need are listed below. You need to have Adobe® Acrobat Reader installed on your computer before using these forms.
Easy Switch Forms:
- Easy Switch Checklist
- Application for Direct Deposit
- Application for Federal Government Direct Deposit
- Automatic Payment Authorization
- A convenient form to set up payment for any business (for example: MidAmerican Energy, Mediacom, Qwest, etc.)
- Automatic Payment Cancellation
- A convenient form to cancel payment for any business (for example: MidAmerican Energy, Mediacom, Qwest, etc.)
- Account Closing Request
We will monitor your new account weekly to make sure that all of your automatic payments and direct deposits have switched to your new Hills Bank account. As soon as everything has been switched, we will notify you that your old account will soon be closed.
Welcome to The Hills Bank Way of doing business!
Member FDIC •
Equal Housing Lender