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Although they may be grown, you can’t help but feel like your “baby” is having a baby.

Grandparent life stage: Financial advice to manage and prepare for your future.

Your kids need you in a whole new way. 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.

You’d like to help secure their future by helping your children and spoiling your grandchildren. There are many options for this stage of life: 

Saving and Spending
Keeping You Covered
  • Insurance changes
    Insurance products including annuities are not a deposit, not FDIC insured, not insured by any federal government agency, not guaranteed by the bank, and may go down in value.
Near Future
  • Wealth transfer
    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.
  • Mortgage


Tips for new grandparents

Your baby is having a baby, and a lot has changed. Having a grandchild is adding another person to love in your family. Grandparents have seen a lot and learned a lot. Now's the time to share your family's unique history and enjoy precious moments with your grandchild. Below are some ideas to think about once that new bundle of joy arrives.  

Make your home safe for your grandchildren. Young children are curious and don't understand what is dangerous, and keeping your eyes on your grandchild at all times is not enough. Besides putting all medicines, cleaning supplies, and other toxic substances out of reach, you should remove any breakables from the floor. If you have a sewing room or workshop, keep it off limits to your grandchildren. 

If your grandchild is a frequent visitor, there are several easy-to-find and relatively inexpensive safety devices. The U.S. Consumer Product Safety Commission developed a brochure highlighting ways to childproof your home. To find more information on preventing injuries and childproofing your home for your grandchild, visit safekids.org.

Stay in touch. Today, families may be scattered all over the country, but despite physical distance or busy schedules, you can still bond with your grandchildren. If you're lucky enough to have your grandchildren near, make efforts for regular visits and try to attend your grandchildren's activities as often as possible. 

If your grandchildren live far away, use technology to stay in touch. You can reach out by telephone, email, write cards and letters, or send pictures to your grandchildren. Today's cameras often have a video-making tool. Record a video reading a favorite book or story and send it to your grandchildren. Camera shy? Then take a recording of just your voice reading to them. If you own a computer or Internet phone, video chat with your grandkids. If you're not comfortable with the technology, your local community college most likely offers classes that can teach you how to connect with family. 

Start family traditions with the grandkids. As the grandparent, you have unique hobbies and activities that you can share with your grandchild. Whether it's cooking, bike riding, going to the park, gardening, or even golf, you can start a tradition that your grandchildren will enjoy their entire lives. Below are a few ideas to help get you started.

  • If you enjoy writing, start a journal with your grandchild. When you share a day together, ask them what they would like to remember about their day, such as events, what you had for dinner, etc. Allow your grandchild to draw a picture and when your grandchild is old enough, they can take over the journal.
  • Let your grandchild help in the garden. Kids love to play in dirt, and they will like to water the plants and watch them grow.
  • If you love golf, share that with the grandkids! Start a tradition of grandparents golf camp, where you play on different courses, or even get a private lesson together.
  • Tell your grandchildren stories about their parents when they were kids. 
  • Start a tradition where you purchase an outfit or pair of tennis shoes for the first day of school every year.
  • If you enjoy bike riding, get a bike trailer and take your grandchild on rides. You'll be amazed at what they see, and it's a tradition that can be continued as they grow older.
  • Are you a fantastic cook? Make a special birthday cake for your grandchild every year and be sure to take plenty of pictures. Let your grandchild help add ingredients to food or get items out of the fridge. They will learn a lot from your cooking and also feel a sense of accomplishment since they are helping out.
  • Is your grandchild a budding artist? Create your own coloring pages if you can draw, or create things together that can go in their scrapbooks.
  • Visit your local animal shelter together and play with animals. The kids and pets alike will love it!
  • Bake cookies together and take them to the local fire station or veterinarian. Not only is this a great way to teach them the joys of giving and doing nice gestures, but it will also teach them about different career options.
  • Start a holiday tradition and have your grandchildren help decorate your house. 
  • When having meals together, take turns sharing what you're thankful for.

Plan a family vacation. A family vacation is a great time to bond with your grandchildren, and your adult child will love having time with their significant other while you babysit the grandkids. There are many different websites where you can find discounts on hotels and airfare, especially if you buy in bulk. Even renting an RV for an extended weekend would be a great outing for the entire family, plus it would be relatively inexpensive. Just be sure to pack the s'mores. 

Take family photos. Be a modern day historian and get family photos taken. Not only will you preserve memories, but you will be recording history. By taking family photos, your future generations will be able to see their genealogy unfold. Also, be sure to designate someone to take photos at events like family reunions and during the holidays.

Catch up on your IRA or other retirement plan

After age 50, you are qualified to boost your plans with “catch-up” contributions. Contact the Hills Bank Trust and Wealth Management team for more details.

  • Individual Retirement Accounts (IRAs) and Rollovers – Let Hills Bank make your investing easier with a Hills Bank traditional IRA, Roth IRA, or by completing a rollover from a retirement plan.
  • Investment Management – Growth and preservation of your assets is the highest priority. Hills Bank's wealth management team will help with your investment management along the way.

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

Join the Hills Bank Friends Club

Take advantage of deposit account enhancements, travel opportunities, and social events for our customers. Learn more about the Friends Club or fill out a membership form to join the fun!

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.

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.

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.

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!

Leave a legacy with a trust

Our Trust Services are structured to serve our customers with a wide range of financial resources; we can help you create the legacy you want and administer your assets according to your wishes.

Financial planning can be a very involved process. Hills Bank's Trust and Wealth Management Department can help you get started. Contact us today!

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.

Relieve your family from making difficult decisions

Decisions about the disposition of your estate, a living will, and burial and funeral arrangements can be made now so your wishes will be known and your family will be relieved of making important decisions under distress.

  • Trust and Estate Administration — A lifetime of hard work and savings often results in the creation of significant personal wealth. We are ready to help answer any questions regarding your financial future.

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!

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 new grandparents

  • ChooseMyPlate.gov: Find nutritional information for children and yourself 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.
  • Financial Resource Center: Discover wealth management strategies from Hills Bank designed for the different stages of your life.
  • 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.
  • SafeKids.org: Learn ways to prevent injuries and child proof your home for children of all ages. 

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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