High Interest Checking

Up to 3.50% APY* on Balances Up to $25,000

With a Hills Bank High Interest Checking Account, you can earn a competitive rate while enjoying the flexibility of everyday spending, digital banking tools, and local support when you need it.

Open A High Interest Checking Account View Rates

Benefits

Open Online

Get started with a simple account-opening process designed to help you begin banking quickly and conveniently.

Activate Your Card

Turn on your card to start using it for purchases, ATM withdrawals, and mobile wallet payments.

Bank Anywhere

Check balances, transfer money, monitor transactions, and manage your account from your computer or mobile device.

Stay Informed

Receive account alerts and notifications to help you stay on top of your finances.

Achieve Goals

Use the Goals feature within Hills Bank Online to create savings goals, automate transfers, and track your progress with visual milestones.

Support Local Schools

Enroll in Classroom Cash, which helps support participating schools in the community.

How to Qualify

• $50 minimum deposit to open
• Deposits $500 or more using ACH or direct deposit into your Hills Bank High Interest Account each month
• Make at least 15 point-of-sale transactions** of at least $10 each per month using your debit card either online or in-store
• Enroll for free online banking and eStatements with Hills Bank Online

Balance (qualifications met)	Annual Percentage Yield (APY)	Interest Rate
$0 - $25,000	3.50%	3.45%
$25,000.01 & Over	0.05%	0.05%

Balance (qualifications not met)	Annual Percentage Yield (APY)	Interest Rate
$0 & Over	0.00%	0.00%

Disclosure
*APY = Annual Percentage Yield. APY effective 09/01/2026.
**15 Point of Sale (POS) or recurring debit transactions, each greater than or equal to $10.00 that have cleared during your monthly statement cycle.
The variable rate and terms may change after the account is opened. Fees may reduce earnings. Personal accounts only. $50 minimum deposit to open. No minimum balance.

ELIGIBILITY REQUIREMENTS. In order for your account to earn an interest rate of 3.45% with an APY of 3.50% on balances up to $25,000.00 and earn an interest rate of 0.05% with an APY of 0.05% on any balances greater than $25,000.00, the following requirements must be met. You must have an ACH deposit(s) greater than or equal to $500.00 and 15 Point of Sale (POS) or recurring debit card transactions greater than or equal to $10.00 each that have cleared during your monthly statement cycle. In addition, you must be signed up for online banking and enrolled in e-statements for your High Interest account.

Open Your High Interest Checking Account Today

Open your High Interest Checking Account today and enjoy rewarding banking, digital convenience, and local support.

Open High Interest Checking