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New Home

This is the single largest purchase that you have likely ever made. You’re ready to fill this house and make it a home, while saving for the surprise expenses that are a part of home ownership.

New Home Life Stage: Make use of these products so you can enjoy your new home.

The location is right, the neighborhood is great, and it’s time to make it yours. Imagine all the stories and memories you’ll create in your home. 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.

Make use of these products so you can enjoy your new home: 
Saving and Spending
Borrowing
Keeping You Covered
  • Life Insurance
  • Homeowners' Insurance
    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
Convenience


 

Tips as you prepare to move into your new home

There are many things to consider when preparing for a move. Below are some items designed to make the transition of moving smoother and more efficient.

Keep track of whom to notify of your address change. Once you change your address with the United States Post Office (USPS), your address forwarding is not complete. Visit the USPS FAQs for information on how long change of address mail is forwarded. You still need to notify your utility companies, phone company, cable company, and other service companies you may use. Give them an accurate shut off date and change of address in the event you may have a deposit refund. Keep track of any current magazines, newspapers, credit card bills, insurance bills, and bank statements and be sure to notify them of your address change as well.

Discover your new city. Before your move, it's helpful to get acquainted with your new city and neighborhood. Research the school districts, opportunities for children's activities, parks, restaurants, and cultural offerings. Read the local newspapers or look for social media groups and find social groups, clubs, or events where you can meet people. Don't forget that Hills Bank's relocation toolkit and Live Local site can help you discover your community.

Create a budget. Make a spreadsheet of anticipated income and new monthly expenses during your move. If you are changing cities or moving to the area from out of state, keep in mind the cost of living may differ from your current location. It's recommended to have at least 6 months of living expenses saved as an emergency fund, so make adjustments accordingly.

Avoid late payment fees. It's important to inform all your creditors of your new address. To avoid missing a payment during the transition to your new home, consider making upcoming payments early to avoid late payment fees. After you move, write checks for the first couple of months and keep them in a safe place, so even if you don't get a bill or it becomes misplaced, you'll be reminded to make your payments. If you would prefer to keep things paperless, consider signing up for online bill payment and direct deposit so bills and checks aren't lost in the shuffle.

Transfer important records. Once you've moved, transfer important records including medical, veterinarian, dental, and eye care records, bank accounts, safe deposit boxes, school records, drivers license, and insurance records. Keep a list of other important records you would need to transfer before the move and add to the list.

Voter registration. If you change your address, you will need to update your voter registration. The Iowa Secretary of State website allows you to update your voter registration online

Sort household goods by items to pack, items to sell, items to donate, and items to recycle. Moving an entire house is a huge undertaking, so make it a little easier by not moving things you no longer need or want. While packing, sort items into different groups. Gently used (or never used) items can be sold at a garage sale, online, or even consigned. Items that are ideal for donation should be clean and in good condition. Looking for ideas of where to donate? Visit our give back to the community section of hillsbanklivelocal.com. Instead of throwing away everything else you don't want to move, sell, or donate, consider which items can be recycled.  


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!


Make changing your address easier with Hills Bank products and services

Make your move easier with these Hills Bank® products and services

  • Address Changes
    Change your address online or visit any Hills Bank location to make changes.
  • Order new checks
    Order online, or call 1-800-445-5725 (HILLSBK) to order checks with your new address.
  • Direct Deposit
    Sign up for Hills Bank direct deposit and have your paycheck deposited right into your account.
  • Free Hills Bank OnlineTM
    Sign up for Hills Bank Online and do your banking anytime of the day or night.
  • Free PowerPayTM
    Sign up for PowerPay to make bill paying easy by doing it online. Simply login to Hills Bank Online, select your payee, and enter the amount you want to pay, the date the payment should be sent, and click Submit.
  • Free eStatement
    Sign up for eStatement to view your account statement online anytime.
  • Safe Deposit Box
    Get a Hills Bank Safe Deposit Box to protect all your important documents at any Hills Bank location.
    (Contents are not FDIC insured.)
  • Checking Account Options to Fit Your Needs
    Compare our checking accounts and select the one that best suits your needs. 

For more ideas on making your move easier, visit our moving toolkit.


Visit Hills Bank's relocation toolkit

As you prepare for your move, there are many things to keep in mind while making your new house a home. You'll need to notify many different companies about your move, change your address with the United States Postal Service, and update your family and friends with your new address. With a little planning, your move will go smoother. That's why Hills Bank created the relocation toolkit and checklist.  


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.


Establish an emergency fund

A good guide is to save three to six months' worth of living expenses to cover rent or house payments, utilities, car payments, food, transportation, and insurance into a separate bank account that could be easily accessed in case of job loss or uncovered medical expenses. Don’t use the money for anything else.

Hills Bank recommends a Money Market Account to establish your emergency fund.


Borrow wisely

Avoid high-interest credit cards and pay off your credit card debt monthly. Work with Hills Bank for your major lending needs. When considering a mortgage, seek a loan from a bank you can trust — whether for a home purchase, refinance, or a home equity loan. You will 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 re-building credit card debt once it has been paid.

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

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!


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.


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.


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 moving into a new home

There are many online resources available that can provide more helpful tips and tools as you move. A few are included below:

  • DMV.org: Visit the Department of Motor Vehicles to update your license and register your vehicles.  
  • MyMoney.gov: A U.S. government website dedicated to financial education. There is a “Home Ownership” section with guides for homeowners.
  • MyMove.com: Find tips, advice, and tools to help with your move.
  • ProtectYourMove.gov: The US Department of Transportation Federal Motor Carrier Safety Administration provides information on how to protect your move.

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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