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ATM Card

The Hills Bank ATM card is fast and convenient. With your ATM card, you can check your account balance, transfer funds, withdraw cash, and more — 24 hours a day at SHAZAM® and Cirrus® terminals worldwide.

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  • Call us at 1-800-HILLSBK
  • Stop by any location!

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Privileged Status Program 

Privileged Status is a surcharge-free ATM program within the SHAZAM® network. This program significantly expands the number of surcharge-free ATM locations available to Hills Bank customers. You will not pay a surcharge fee when using participating Privileged Status ATMs operated by other financial institutions. Likewise, customers of participating Privileged Status financial institutions will be allowed to use ATMs at any Hills Bank location without paying an ATM surcharge fee. Some of our off-premise ATM locations may also participate in the Privileged Status program. Cardholders simply need to look for ATMs that display the Privileged Status logo.

A complete directory of all Privileged Status member financial institutions and ATM locations can be found by visiting the Shazam website.

Frequently Asked Questions About Surcharge Fees

What is an ATM surcharge fee?

An ATM surcharge fee is a convenience fee imposed by the ATM operator and paid by cardholders who use the ATM to withdraw cash. The fee is paid at the time of the withdrawal. For example, assuming a $1.00 convenience fee, a cardholder's checking account will be charged $101.00 when withdrawing $100.00 cash.

Will a Hills Bank customer pay a surcharge fee at ATMs operated by Hills Bank?

No, Hills Bank customers will not pay a surcharge fee at any ATM owned or operated by Hills Bank.

How will I know if an ATM operated by another bank imposes a surcharge fee?

ATM operators must post or provide a "fee notice" in a prominent and conspicuous location on or at the ATM notifying cardholders that a fee may be imposed for cash withdrawals and the fee amount. In addition, once a cardholder selects the cash withdrawal option, the ATM must display a surcharge fee notice and the fee amount on the ATM screen and give the cardholder the option to cancel the transaction and avoid paying the surcharge fee.

How can Hills Bank customers avoid paying surcharge fees, or at least reduce the amount of money they spend on surcharge fees?

  • Use ATMs owned or operated by Hills Bank whenever possible
  • Seek out surcharge-free ATMs (i.e. Privileged Status ATMs) in the areas you live, work, or travel. ATM Online directories are available. A complete directory of all Privileged Status member financial institutions and ATM locations can be found by visiting the Shazam website.
  • Ask for cash back when paying with your Hills Bank debit card at retail locations (i.e. supermarkets, drug stores, gas stations, etc.).

For questions about ATM surcharge fees or the Privileged Status program, contact us and we'll be happy to help.

How can I get my Hills Bank ATM card?

To get your Hills Bank ATM card, stop by any Hills Bank location or call during business hours Monday - Friday from 8:30 am - 5:00 pm at 319-679-5500 for the Iowa City area, 319-654-8100 for the Cedar Rapids area, or toll free at 1-800-445-5725 (HILLSBK)

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