Checking

Designed for customers looking for a free account that's really free.

Features:

• No minimum to open.
• No minimum balance.
• Free debit card, mobile and online banking.
• Unlimited ATM transactions with no charge. (The owner of a non-Hills Bank ATM may surcharge, but that's their fee, not ours!).

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Exclusively for Friends Club Members. To join Friends Club, customers must be 50 or better and maintain $10,000 or more in household deposits (can be one account or a combination of accounts, including checking, savings, certificates of deposits, and Money Market Accounts).

Features:

• Meeting the above requirements qualifies you as a Friends Club member, gaining access to exclusive events, trips, and benefits.
• No minimum balance.
• Earn tiered interest rates.
• Free personalized club checks and unlimited check writing.
• Free check safekeeping of canceled checks, eStatement, or returned check images.
• Free money orders and official checks.
• Unlimited ATM transactions with no charge. (The owner of a non-Hills Bank ATM may surcharge, but that's their fee, not ours).
• 50% off safe deposit box rental (safe deposit box contents are not FDIC insured).
• Free fraud recovery assistance, called Deluxe Provent ID Restoration.

Designed for customers who would like to earn interest.

Features:

• $1,000 minimum daily balance or combined relationship daily deposit balance of $5,000 (combined relationships balances are based on banking relationship of the first person listed on this account, who may be listed on other accounts as an owner, joint owner, or sole proprietor). A $9.00 monthly basic fee (plus sales tax) is charged if balance requirements are not met.
• Free small safe deposit box for one year (or credit towards a larger box; safe deposit box contents are not FDIC insured).
• Earn tiered interest rates.
• Free introductory pack of checks.
• Unlimited ATM transactions with no charge. (The owner of a non-Hills Bank ATM may surcharge, but that's their fee, not ours).

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HSA through UMB, n.a.

Designed for customers who have a qualifying High Deductible Health Plan.  Check with your health care provider to see if your plan meets the qualifications for a Health Savings Account (HSA). 

Accounts are opened through UMB, n.a. which is not an affiliate of Hills Bank and Trust Company.  Consult your tax advisor to determine if a HSA is right for you.

Features:

• No minimum balance.
• $2 monthly service fee.
• Interest paid on entire account balance (Investments made to a Health Savings Account are FDIC insured through UMB).

Designed for teens 17 years and younger.

Features:

• No minimum to open.
• No minimum balance.
• No monthly service fee.
• Unlimited ATM transactions with no charge (The owner of a non-Hills Bank ATM may surcharge, but that's their fee, not ours).
• 20 free checks upon account opening.
• Semi-annual newsletter.
• At age 18, the account converts to Free Checking.
• Parent or legal guardian required to be an owner of account if primary account holder is under 18 years of age.

Designed for University of Iowa students.

Features:

• No minimum to open.
• No minimum balance.
• No monthly service fee.
• Xpress Transfer – easy, no cost way for parents to transfer money
  to the student’s account anytime.
• Unlimited ATM transactions with no charge. (The owner of a non-Hills Bank ATM may surcharge, but that's their fee, not ours!).
• 20 free checks upon account opening.
• When no longer a University of Iowa student, the account converts
  to Free Checking.

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A special checking account for employees of the University of Iowa.

Features:

• No minimum balance.
• No monthly service fee.
• Unlimited free ATM transactions. (The owner of a non-Hills Bank ATM may surcharge, but that's their fee, not ours).
• Earn tiered interest rates.
• Free introductory pack of checks.
• 0.25% consumer loan discount – one time use; not valid for home equity products.
• Direct deposit of paycheck is required.
• Limit of one UI Employee Advantage account type per individual. If direct deposit from the University of Iowa is discontinued, the account converts to Free Checking.