Find the Right Checking Account for Every Stage of Life
Find a checking account that fits your lifestyle and financial goals. Hills Bank offers personal checking accounts for youth, young adults, professionals, families, and adults 50+. No matter your stage of life, you’ll find a checking account with features and convenience you need.
Everyday Banking
Explore checking accounts for everyday banking with convenient online access, mobile banking, debit card features, and money management.
Free Checking
For customers seeking a simple, no-fee checking solution. Just simple banking with modern, digital tools to manage your money confidently.
High Interest Checking
For customers who want to earn a high rate while maintaining everyday access to their money. Get rewarded for your typical banking habits – all while enjoying full access to your money.
Youth Checking
For customers 17 years of age or younger looking to begin their financial journey.
Go! Checking is a free account that helps young account holders build financial confidence with parental guidance.
Friends Club Checking
For customers 50 years of age or older with qualifying deposits looking to earn interest while making meaningful connections.
Why Choose Hills Bank Checking?
• Personal checking accounts for every lifestyle
• Online and mobile banking tools
• Free debit card and ATM access
• Tap-to-pay convenience
• Mobile wallet compatibility
• Overdraft services and sweep options available
• Local banking with personalized service
College & University Banking
Discover university and college checking accounts designed for students, faculty, and staff, offering convenient campus banking and digital account access.
Student Checking
For college students wanting modern digital banking tools and no-cost financial education.
University of Iowa Student Checking
For University students wanting local convenience, modern digital banking tools, and no-cost financial education. Hills Bank is the official Bank on Campus.
University of Iowa Employee Checking
For University of Iowa staff seeking convenience, expert support, and exclusive offers all within steps from campus.
Compare Checking Account Benefits
| Feature | Free Checking | High Interest Checking | Friends Club Checking |
|---|---|---|---|
| Best For | Everyday banking | Customers seeking higher earnings | Customers 50 years or older maintaining higher balances |
| No Monthly Fee | Yes | Yes | Yes |
| No Minimum Opening Deposit | Yes | $50 opening deposit | Yes |
| No Minimum Balance Requirement | Yes | Yes | $10,000+ in household deposits |
Interest Earnings | - | Yes Up to 3.50% APY* | Yes Up to 0.10% APY* |
Debit Card Benefits: free debit card, debit card personalization, tap-to-pay, digital wallet compatibility |
Yes |
Yes |
Yes |
Access to 40,000+ surcharge-free ATMS ATM owners may surcharge |
Yes |
Yes |
Yes |
Online & Mobile Banking Features: mobile check deposit, online bill pay, account alerts, mobile app access |
Yes |
Yes |
Yes |
Account Perks: financial education, local support | Yes | Yes | Yes |
| Learn More | Free Checking | High Interest Checking | Friends Club Checking |
Secure & Convenient Visa Debit Cards
Access your money anytime with a Hills Bank Visa Debit Card. Make purchases, pay securely, and manage everyday spending with convenience and confidence.
Manage Money with Online & Mobile Banking
Stay connected to your checking account with Online Banking. Check balances, transfer funds, pay bills, deposit checks, and monitor account activity from your computer or mobile device.
Open Your Hills Bank Checking Account Today
Open your checking account today and enjoy everyday banking, digital convenience, and local support.