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Hills Bank – Personal Banking

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www.hillsbank.com

Checking

Free Checking Challenge Hills Bank

Personal checking accounts to fit your needs that include:

Apply online. It’s safe, simple, and secure.

Apply Now

What will you need to open an account? View our Account Opening Checklist.

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!).

Apply Now

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.

Learn more about Friends Club!

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).

Apply Now

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.

Apply Now

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.

Savings Accounts

Each savings account option includes:

  • Free ATM card  The Hills Bank ATM card is fast and convenient. With your ATM card, you can check your account balance, transfer funds, withdraw cash, and more — 24 hours a day at SHAZAM® and Cirrus® terminals worldwide.
  • Hills Bank Online – Free online banking that includes apps from the Apple App Store or Google Play.
  • Free statement alerts and notices – paper statement or e-statement.

Apply online. It’s safe, simple, and secure.

Apply Now

What will you need to open an account? View our Account Opening Checklist.

Money Market

Each money market option includes:

  • Free ATM card  The Hills Bank ATM card is fast and convenient. With your ATM card, you can check your account balance, transfer funds, withdraw cash, and more — 24 hours a day at SHAZAM® and Cirrus® terminals worldwide.
  • Hills Bank Online – Free online banking that includes apps from the Apple App Store or Google Play.
  • Free statement alerts and notices – paper statement or e-statement.

Apply online. It’s safe, simple, and secure.

Apply Now

hills bank

Certificates of Deposit & IRAs

Certificates of Deposit (CDs)

We offer competitive rates and a variety of short and long-term Certificates of Deposit (CDs) to choose from.

Apply online. It’s safe, simple, and secure.

Apply Now

What will you need to open a CD?  View our Account Opening Checklist.

We also offer these additional CD products:

  • CollegeSaver CD
    The CollegeSaver CDTM offers the convenience of a savings account and the earning power of a certificate of deposit. Learn more.
  • Coverdell Education Savings Account (CESA)  
    Start your child’s college fund.  A CESA allows you to save for higher education with certain tax advantages.
  • Certificate of Deposit Account Registry Service (CDARS) CDARS allows you full FDIC insurance on multi-million-dollar deposits through one single bank. Speak with a Personal Banker to learn more.

Individual Retirement Accounts (IRAs)

Whether you’re starting a new IRA or rolling over your current IRA to Hills Bank, our bankers are ready to assist you.  Simply call us at 1-800-445-5725 (1-800-HILLBK)  or visit any Hills Bank location  –  we’ll be glad to answer your questions.

Friends Club

Explore life to its fullest and let us take care of the details—it’s that simple!

With workshops, seminars, and casual gatherings designed to help you connect with new friends in your community, the goal of Friends Club is to offer you the benefits you’ve earned and to thank you for your loyal support of Hills Bank. This dynamic group of individuals age 50 and better also enjoys day trips to unique local attractions and events, extended tours of our national treasures, and international journeys to unforgettable destinations.

Who can be a member?

Hills Bank customers who are age 50 or better and maintain $10,000 in household deposits qualify to join the club.

Want to become an Ambassador?

Earn money by referring friends or family members. Learn more.

Benefits and Services

Trips and Tours – Enjoy a one-day trip or an extended adventure with old and new friends at a group rate. If you’re already a member and going on an extended trip, print our Travel Information Card to help you prepare.

Friends Club Gold Checking Account

  • Tiered interest rates
  • Free personalized club checks
  • Unlimited check writing
  • Unlimited free Hills Bank and non-Hills Bank ATM transactions. (The owner of a non-Hills Bank ATM may surcharge, but that’s their fee, not ours!)
  • No annual fee Hills Bank debit card
  • Online/mobile banking with bill payment
  • Free check safekeeping of canceled checks, eStatement, or returned check images
  • Free money orders and official checks
  • Free fraud recovery assistance, called Deluxe Provent ID Restoration.
  • 50% off safe deposit box rental (safe deposit box contents are not FDIC insured)

Local Events – Join us for fun and engaging activities at Hills Bank locations and local venues.

Quarterly Newsletter – Members will receive a quarterly newsletter featuring upcoming events and trips, financial seminars, and new Hills Bank products and services.

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