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Is your financial plan on course?

Is your financial plan on course?  Let Hills Bank Trust and Wealth Management work with you to chart a course for your financial future.
Let Hills Bank Trust and Wealth Management work with you to chart a course for your financial future.

Online account opening

Open your checking, savings, money market, or certificate of deposit in just a few clicks

Do you feel safe with your retirement plan provider?

Do you feel safe with your retirement plan provider?

Hills Bank offers all-inclusive,
fully-bundled retirement plan services.

  • Local contacts
  • Local processing
  • Local community-bank responsiveness
  • Fully-disclosed fees that are easy to understand

Hills Bank
Savings Plan for Kids

Hills Bank Savings Plan for Kids
Visit the Hills Bank Savings Plan for Kids page and learn to Save, Spend and Share for Life, or bring this coupon into any Hills Bank® location for your free booklet.
Offer good while supplies last.

New Baby

Nothing changes your financial priorities faster than a new baby. You feel a need to simultaneously spend to fill the nursery and save for your baby’s future.

New Baby: Life Stages to help with you with the financial products and services you need for every stage of your life.

With three little words, your whole life changes forever. Suddenly corners seem sharper and stairs seem steeper as new instincts take root. Everyone has a unique life story, and each chapter of that story is accompanied by different financial needs. As your community bank, Hills Bank would like to be a part of each stage of your life and help you with the financial products and services you will need along the way.

When you lose sleep, it shouldn’t be over finances. Manage your saving and spending with these products:

Saving and Spending

Borrowing

Keeping You Covered

  • Life Insurance
  • Disability Insurance
    Insurance products including annuities are not a deposit, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank, may go down in value.

Near Future

Convenience


 

Tips for preparing for a baby

There are so many things for expecting parents to think about when preparing for their new bundle of joy. Below are a few suggestions to help you prepare for your new baby's arrival.

Choosing baby names. It's common for parents to spend a considerable amount of time and thought choosing their baby's name. There's a lot of pressure to choose a name your child will have their entire life. When naming your baby, consider personal history and traditions. You and your partner could start by writing lists of names you like, and compare the lists to see if there are names you both like. Try to anticipate initials and nicknames to eliminate any that could be embarrassing. The U.S. Social Security Administration lists the most popular baby names and you can look up changes in popularity of baby names. Remember, you don't have to name your child Cash in order to secure his financial future.

Childcare. There are many factors to consider when selecting childcare for your new baby. You will want to know the adult to child ratio, the group size and ages of the children, the qualifications of the caregiver, the turnover rate of the caregivers, and the accreditation. Childcare.gov and ChildCareAware.org are resources from the U.S. government that provide a wealth of information about finding childcare in your area, choosing the best childcare, and paying for childcare. Iowa4Cs.com assists families, childcare providers, and others with childcare needs, especially for those families during times of crisis. 

After your research and childcare provider visits, think about each option and make the best choice for your child and family.

Researching a car seat and child safety. With so many options for car seats, it's hard to know which is the best for your new baby. You want to ensure your new baby is riding as safely as possible. The National Highway Traffic and Safety Administration developed a website to help you make better informed choices about child safety and choosing and using a car seat. Contact your local fire department and see if they will inspect your car seat. And remember, ALWAYS wear your seat belt to lead by example and develop a lifelong habit of seat belt use for your child.

Assemble a baby first aid kit. Even if you purchase a pre-packaged first aid kit, it most likely won't contain everything you need. Be sure to securely attach contact information inside your first aid kit for your family doctor, pediatrician, local hospital, American Association of Poison Control Center emergency hotline (1-800-222-1222), local police and fire departments, and close neighbors or family members. Other items to consider for your first aid kit include:

  • Aloe gel
  • Antibiotic ointment
  • Antihistamine recommended by your pediatrician for allergic reactions
  • Assorted adhesive bandage strips
  • Baby sunscreen
  • Baby insect repellent
  • Blanket
  • Cotton balls and swabs
  • Cream for rashes as recommended by your pediatrician
  • Electrolyte or re-hydration solution that provides fluid and salts to prevent dehydration
  • Eye wash
  • First-aid manual: Suggested American Medical Association Handbook of First Aid and Emergency Care
  • Gauze rolls and pads and adhesive tape
  • Hot water bottle and an ice pack
  • Mild liquid soap (most antibacterial and deodorant soaps are too strong for babies' sensitive skin)
  • Nasal aspirator bulb
  • Non-latex gloves
  • Oral syringe or calibrated cup or spoon for administering medicines
  • Pain and fever reducer as recommended by your pediatrician
  • Petroleum jelly
  • Rubbing alcohol swabs
  • Saline nose drops
  • Scissors
  • Small flashlight to check ears, nose, throat, and eyes
  • Thermometers for infant/child
  • Tongue depressors for checking sore throats
  • Tweezers

 

Childproofing your home. Your newborn will quickly grow, so it's important to childproof your home now. Young children are curious and don't understand what is dangerous. Keeping your eyes on your child at all times is not enough. There are several safety devices that are easy to find and relatively inexpensive. The U.S. Consumer Product Safety Commission developed a brochure highlighting ways to childproof your home. Below are ideas on ways to get started.    

  • Attach appliance straps to TVs, VCRs, DVDs, stereos, cable boxes, etc. and install plastic shields.
  • Banister shields close off gaps between posts on balconies, lofts, landings, decks, etc.
  • Install corner and table edge cushions to pad sharp edges of tables, counters, furniture, etc.
  • Install fireplace gates and never allow children near grills or wood burners.
  • Install a toilet lock.
  • Install a safety tap guard to prevent access to water.
  • Keep bathroom doors closed or gated.
  • Keep cribs and beds away from windows and blinds.
  • Keep electrical cords out of reach of children.
  • Keep emergency phone numbers by every phone, including the Poison Control Center number (1-800-222-1222).
  • Keep garbage cans away from children and locked with a strap.
  • Keep knives in locked drawers. If a child grabs a knife, hold their wrist firmly until they drop the knife. Don't grab sharp objects from them to avoid cuts.
  • Keep medicine, cleaners, and cosmetics away from children's reach.
  • Keep plastic bags away from children to avoid suffocation.
  • Keep water heater under 120 degrees to prevent scalding.
  • Learn first aid and CPR.
  • Lock cabinets and drawers.
  • Lock the refrigerator and freezer.
  • Make sure all carbon monoxide and smoke detectors are in working order.
  • Place electrical covers on all standard and decorator outlets.
  • Plants can be poisonous if eaten, so keep them out of the reach of children.
  • Remove from reach anything that can fit into a small parts tester or a toilet paper tube.
  • Remove items from banisters, walls, stairways, etc. that children could use to climb over a deck, stairway, or balcony.
  • Secure all stoves, refrigerators, ovens, microwaves, dishwashers, etc. with guards, latches, and straps.
  • Secure heavy furniture with straps so children don't use drawers to climb up furniture.
  • Secure stairways with baby safety gates.
  • Take children's toys age suggestions seriously and keep toy parts away from small children.
  • Use back burners when cooking, and make sure pot and pan handles are pointing to the back of the stove.
  • Use stove knobs or locks to prevent access to burners.
  • Unplug electrical items when not in use.
  • Window blind cords are a strangulation risk and should be kept out of children's reach at all times.
  • Window guards/window wedges on all windows that can be opened more than three inches.

To find more information on preventing injuries and childproofing your home, visit safekids.org.

Finding the right babysitter. It's not easy finding someone you trust to care for your children. One of the best ways to find a good babysitter is to ask friends, family members, or co-workers for recommendations. When you have some referrals, take time to interview the babysitters with your children. See how they interact with your children to make sure it's not only someone you are comfortable with, but someone your children will like as well. Once you have your selections made, ask for references and determine what they will charge. For more information about finding the right babysitter, visit womenshealth.gov.

Develop a baby fact sheet. Create a list of everything you need to know if your baby is injured. This fact sheet should include medical records, immunization records, insurance carrier, contact information for the baby's doctor, and emergency contacts. Provide this fact sheet to caregivers as well. 


Items to consider after your baby is born

Birth certificate and Social Security number for your newborn. When your baby is born, you will receive a copy of the birth certificate the hospital or health care provider files with the state or county. The birth certificate gives details like the child's name, date and time of birth, and the location of birth. It also provides names of the parents and the mother's maiden name. You may have the option to complete paperwork for a Social Security number at the same time you apply for a birth certificate at the hospital or with your health care provider. If it's not offered, follow the steps provided on socialsecurity.gov.

Add your baby to your health insurance within 30 days. Once your baby is born, you will want to make sure they are covered under your health insurance as soon as possible. You will also want to make sure your health plan covers well-baby care, and if it doesn't, consider extra coverage for vaccinations and appointments the baby will need. For more information, visit the United States Department of Labor

Consider life and disability insurance. Determine if term or whole life insurance makes sense for your family in the event something should happen to you or your spouse before your child is grown. Term life insurance is based on a period of time from one year to 30 years and pays the face amount of the policy. Whole life insurance tends to cost a little more and combines a term policy with an investment like bonds, money-market instruments, or stocks. Visit with your insurance agent to see what makes sense for your family.  

Update your living will. After your baby is born, you will need to update your will. In addition to adding your child as a beneficiary to your assets, you will need to name a guardian for your child. This will ensure that your child receives everything you intend for them from your estate. Visit with an attorney to answer any questions and get started.   

Set up a flexible spending account or health savings account. If your employer offers a flexible spending account, you can use that to pay medical expenses for you and your new baby—and sometimes childcare expenses—on a pre-tax basis. The contributions you make to a flexible spending account are deducted from your pay before your taxes are calculated. Health savings accounts are designed for individuals with qualifying high deductible health plans. For any questions about health savings accounts and to see if you qualify, call Hills Bank at 1-800-445-5725 (HILLSBK).

Meet with your tax professional. The birth of your new baby provides a tax benefit for your family. Meet with your tax professional to determine how to adjust your withholdings at work, discuss dependency exemptions, and determine if a flexible spending or health savings account can benefit your family.  


Organize your personal documents

With all the junk mail, notices, and bills that arrive in your mailbox each day, it’s easy to feel like you're drowning in paper. Don’t let important papers pile up, waiting for you to find the time to sort and file them. Getting organized can be a chore, but it is absolutely essential. Managing your financial affairs requires taking charge of important documents such as birth certificates, insurance papers, deeds, and more with a tool called the Personal SAFEkeeper.

The Personal SAFEkeeper will provide small steps to tackle your project. Work through each page and you'll have a binder full of easy-to-reference essential documents.

Areas of focus include:

  • Credit and debit
  • Personal documents
  • Title and insurance 
  • Home ownership
  • Social security
  • Retirement records
  • Investment records
  • Estate planning
  • Tax records
  • Personal insurance

Assemble important papers and get organized today with your Personal SAFEkeeper. Don’t forget you can store all those essential papers in a safe deposit box* at any Hills Bank location!

*Safe deposit box contents are not FDIC insured.


Educate your children on the importance of financial responsibility

Sometimes it's hard to know how to get your children off to the right start when teaching them money management. Hills Bank wants to partner with you to teach our next generation financial literacy.

Banking 101 – Practice managing a checking account by downloading the Banking 101 packet and going through it with your children. Help them learn to write checks, record transactions, balance their account, and more.

Hills Bank Savings Plan for Kids – Visit the Hills Bank Savings Plan for Kids, where you will find easy tools, tips, and conversation starters you can use as you cultivate your children's understanding of money. You can also download this coupon for a free Hills Bank Savings Plan booklet to redeem at any Hills Bank location

Yes, You Can – Yes, You Can provides resources for adults to help make a positive impact on children's financial behavior. The first exposure your children have to financial literacy is through you! With the help of this financial education tool from American Century Investments® you can create a positive financial learning experience with your children.


Start saving for college

By starting early (preschool or before), you can realize substantial savings through compounding interest over many years. The earlier you start, the less you’ll have to save per month. Through Hills Bank, you can access products designed to help fund higher education. To learn more, or to set up an educational account, click on the links below.    

  • 529 Plan*  –  529 Plans are tax-advantaged savings plans designed to encourage saving for future college costs. View more information about 529 Plans from the US Securities and Exchange Commission.
  • College$aver CD - Saving for college is easier than ever with the Hills Bank College$aver Certificate of Deposit. The College$aver CD offers the convenience of a savings account and the earning power of a certificate of deposit.
  • US Government EE Savings Bonds*  –  EE Bonds are reliable, low-risk, government-backed savings products that you can use toward financing education and other special events. These are available through Hills Bank and may also be purchased online through the US Treasury.
  • Coverdell Education Savings Account (CESA) – Start a college fund by opening a CESA to save for higher education.   

*Investment products are not a deposit, not FDIC insured, not insured by any federal government agency, carry no bank guarantee, and may go down in value.


Seek a loan from a bank you can trust

When considering a mortgage — whether for a home purchase, refinance, or a home equity loan — you’ll want to compare all the costs involved, including interest rates, points, fees, down payment, and private mortgage insurance requirements. A home equity loan or line of credit can be helpful when extra cash is needed, or to reduce significant credit card debt, but be cautious about rebuilding credit card debt once it has been paid. 

  • Mortgage loans – Our experienced lenders are ready to answer your questions and get you on the path to home ownership.
    • Fixed Rate Mortgages
    • Adjustable Rate Mortgages
    • Second Mortgage Loans
    • Construction Loans

To apply for a mortgage loan, visit hillsbankmortgage.com, or stop by any Hills Bank location and talk with a member of our mortgage team.

  • Consumer loans – Whether to purchase a vehicle, for personal expenses, or to access your home equity, Hills Bank can help you with your borrowing needs. With competitive rates, experienced lending professionals, and local decision-making, you’ll be sure to find a loan at Hills Bank that meets your needs.  

You can apply for a personal loan by contacting a Personal Banker at any Hills Bank location or by calling 319-679-5500 for the Iowa City area, 319-654-8100 for the Cedar Rapids area, or toll free at 1-800-445-5725 today!


Understand your credit report

Your financial behavior over the past seven years, including how much credit you have, how long you've had it, and whether you pay your bills on time, is information included in your credit report. Three credit reporting agencies — Equifax, Experian, and TransUnion — maintain these reports, and lenders reference them to help decide whether to offer you a prequalification. Your credit report also carries your credit score ranking between 300 and 850 that many lenders use to decide whether you are creditworthy and will repay a loan. Your credit score can also influence the interest rate you pay. In many cases, the higher your score, the lower your interest rate. Contact the three credit reporting agencies to get your credit score: 

Equifax –  www.equifax.com
Experian – www.experian.com

TransUnion –  www.transunion.com

AnnualCreditReport.com allows you to request one free credit report per year. In accordance with the Fair and Accurate Credit Transactions Act (FACT Act), AnnualCreditReport.com is a secure way to obtain your credit report which is generated by the three nationwide consumer credit reporting companies at one site. Get your free annual credit report today!


Cost-effective checking options

You’ll reduce the time it takes to pay your bills and save on the expense of paper checks and postage while helping the environment.

Debit Card – Use your Hills Bank debit card for faster, more convenient, and economical payments without the hassles of a checkbook.

Mobile banking – Access your Hills Bank accounts easily and securely. Mobile banking has no fee, and it's available anytime, anywhere with a text phone or a smart phone. 

Hills Bank provides mobile banking without charge. Account transaction limits and fees apply. Message and data rates may apply. Text STOP to cancel or HELP for help to 55658. View full terms.

Hills Bank Online – Bank 24 hours a day, 7 days a week with Hills Bank Online.

eStatements – Receive your monthly bank statements electronically with eStatements. This will not only help reduce the paper mail that arrives at your home; it also allows you to view your statement the day after it is generated at the bank.

PowerPay – With free PowerPay, you pay your bills from your Hills Bank checking account without writing a check or buying stamps.


Save for retirement

Many people underestimate the amount of money they’ll need in retirement. Be realistic about major expenditures. For example, will your mortgage be paid off by retirement? If so, you may need less income than you do now. Do you plan to buy a vacation home or travel extensively? Will you have to pay for your own health insurance? Before these and other financial considerations come into play, now is a good time to increase your contributions to your retirement savings accounts.

Talk with Hills Bank’s Trust and Wealth Management team to learn how we can help you meet your retirement goals. 

Financial planning can be a very involved process. Hills Bank can help you get started with a free financial analysis. Please return the completed form to Hills Bank Trust and Wealth Management or drop it off at any Hills Bank location. A financial professional will provide you with your analysis shortly.

Investment products are not a deposit, not FDIC insured, not insured by any federal government agency, carry no bank guarantee, and may go down in value.


Rent a safe deposit box

This is a convenient place to store important items that would be difficult or impossible to replace. Hills Bank’s safe deposit boxes* offer privacy and in most cases, greater security than keeping your valuables and important documents elsewhere. Additionally, some insurance companies charge lower insurance premiums on valuables kept in a bank's safe deposit box instead of at home. 

*Safe deposit box contents are not FDIC insured.


Tell a friend about Hills Bank

Tell a friend about Hills Bank and you can earn extra money when they open a checking account. 

Tell A friend About Hills Bank and earn money!Hills Bank offers convenient services

  • Unlimited check writing (checking accounts only)
  • Hills Bank Picture Perfect debit card — personalize your no annual fee debit card with your favorite photo and earn money for the public school district or private school of your choice in our community with Classroom Cash!
  • Unlimited free ATM transactions at Hills Bank ATMs throughout the Cedar Rapids/Iowa City Corridor
  • Friends ClubTM membership for qualifying individuals age 50 years and better
  • Free Hills Bank OnlineTM
  • Unlimited mobile banking
  • Free PowerPayTM — pay unlimited bills online

Hills Bank offers a variety of accounts

Tell a friend about Hills Bank today!

Stay current with financial information, products, and incentives from Hills Bank

You're busy, and time is a limited commodity. It's hard to keep track of the ever-changing financial industry. Consider signing up for the following eNewsletters from Hills Bank for the latest financial information, products, and incentives from Hills Bank. 

HBT Connect – This bi-monthly eNewsletter is a useful resource to help you manage your finances. Sign up for HBT Connect today!

Successful Business – This bi-monthly eNewsletter for businesses gives helpful tips to improve your business and exclusive information about Hills Bank services. Sign up for Successful Business today!

The Economy and Market from Here...in Hills – A quarterly eNewsletter that provides an overview of the economy and markets. Sign up for The Economy and Market from Here...in Hills today!


Hills Bank Customer Protection Center

Hills Bank has created the Customer Protection Center to provide educational information and ways to protect your accounts and personal information. In this center, you can find up-to-date security alerts from the FDIC and Hills Bank, information on protecting your bank cards, tips for online security and mobile security, information about social media security, a video about identity theft, and a list of online resources to help protect your identity. 

Visit the Customer Protection Center today!


Additional online resources for preparing for a new baby

There are many reliable websites that provide great financial support and guidance as you begin planning for a new member of your family. A few are included below:

  • ACF.HHS.gov: Information and resources for parents from the Administration for Children and Families.
  • ChildCare.gov: Your official source for all U.S. government childcare information.
  • ChildCareAware.org: Designed to help families learn about the elements of quality childcare and how to locate programs in their community.
  • ChooseMyPlate.gov: Find nutritional information for pregnant and breastfeeding women, preschoolers, and children ages 6-11 from the United States Department of Agriculture.
  • CPSC.gov: Download a brochure on how to childproof your home from the United States Consumer Product Safety Commission.
  • CDC.gov: The Centers for Disease Control and Prevention developed text4baby, a free service timed to a due date or baby's date of birth providing pregnant women and new moms weekly text messages on pregnancy and baby care.
  • FDIC.gov: Help prepare children for financial independence.
  • Financial Resource Center: Discover wealth management strategies from Hills Bank designed for the different stages of your life.
  • FTC.gov: Download the Safeguarding Your Child's Future publication for tips to keep your child protected from identity theft.
  • Iowa4Cs.com: Assisting families, childcare providers, and others with childcare needs, especially for those families during times of crisis. 
  • Kids.USA.gov: The official kids' website for the U.S. government to provide a safe place online for kids to create, learn, and play.
  • MyMoney.gov: A U.S. government website dedicated to financial education. There is a “Birth/Adoption of a Child” section with guides for new parents.
  • NICHD.NIH.gov: Get advice in parenting from the Eunice Kennedy Shriver National Institute of Child Health and Human Development.
  • SafeKids.org: Learn ways to prevent injuries and child proof your home for children of all ages.
  • SSA.gov: Get ideas for baby names and view the popularity by year and state from the U.S. Social Security Administration.
  • USA.gov: Provides parenting resources on a variety of topics, such as child care, educational issues, health issues, and adoptive parents.
  • Womenshealth.gov: Resources and tools developed by the U.S. Department of Health and Human Services Office on women's health.

For help determining the best practices and products for sound and productive money management during
your particular life stage, please contact us at any Hills Bank location or email us at hillsbank@hillsbank.com.

 


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