Checking

Checking Options as Unique as You

When it comes to checking accounts, it’s important you have the right one. Highland Bank has a variety of checking accounts to suit your needs – all with these great perks:

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e-Checking

An account for people who do most of their banking online, whether at home, in the office, or on the go with a mobile device.

  • $100 minimum opening balance required
  • No minimum balance required
  • Free check safekeeping
  • First box of Highland Bank Design checks FREE (3)
  • No monthly fee for ATM/Debit Cards (4)
  • 2 Free ATM transactions per month (5)
  • Write 5 checks for FREE per month; $0.50 each additional
  • Electronic statement required to avoid a $10 monthly fee (6)
  • Customer rate on safe deposit box

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Free Checking

Free Checking is a no-frills, absolutely free checking account that is great for those with basic banking needs.

  • $100 minimum opening balance required
  • No minimum balance required
  • Free check safekeeping
  • Customer rate on safe deposit box
  • No monthly fee for ATM/Debit Cards (4)
  • Imaged statements $5/month (6)

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Interest Checking

Make your money work for you in this interest bearing checking account.

  • $100 minimum opening balance required
  • Interest is compounded monthly when a minimum daily available balance of $1000 is maintained (1)
  • No monthly fee for ATM/Debit Cards (4)
  • No monthly service charge if minimum daily available balance of $1000 is maintained
  • $12 monthly service charge & $0.25 per check charged when minimum balance is not maintained
  • Free check-safekeeping
  • Customer rate on safe deposit box
  • Imaged statements $5/month (6)

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Relationship Checking

For customers looking to be rewarded for maintaining their banking relationship in an interest bearing checking account.

  • $100 minimum opening balance required
  • Interest compounded monthly when a minimum daily available checking balance of $500 is maintained (1)
  • No monthly service charge if $10,000 in combined balances is maintained (2)
  • $10 monthly service fee when combined balances fall below $10,000
  • First box of Highland Bank design checks free or $5 on upscale design (one box per order) (3)
  • 2 Free ATM transactions per month (5)
  • Free check safekeeping
  • No monthly fee for ATM/Debit Cards (4)
  • No fee for money orders or cashiers checks (single signer)

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Classic 55

For customers 55 or better, who prefer an account with no minimum balance requirements.

  • Available to customers age 55+
  • $100 minimum opening balance required
  • No monthly service charges
  • Unlimited check writing
  • Free check safekeeping
  • $5 credit on first box of checks (3)
  • No monthly fee for ATM/Debit Card (4)
  • Customer rate on safe deposit box
  • No fee for money orders or cashiers checks (single signer)
  • Imaged statements optional $1/month (6)

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e-Checking Free Checking Interest Checking Relationship Checking Classic 55 Checking
Minimum Opening Balance  $100 $100 $100 $100 $100
Earns Interest
Balance Requirement to Earn Interest  n/a n/a $1,000 minimum $10,000 combined balances(2)  n/a
Monthly Service Charge 5 Checks free per month; $.50 per check over 5  None  $12 + $.25 per check  $15  None
Monthly Statement Charge $0 with eStatement or $10 per month for paper statements $0 with eStatement or standard paper statement. $5 per month with Imaged Statements $0 with eStatement or standard paper statement.  $5 per month with Imaged Statements None $0 with eStatement or standard paper statement.  $1 per month with Imaged Statements
Free ATM/Debit Card
Surcharge Free ATM Transactions at MoneyPass ATM’s
Free ATM Transactions  2 per month  2 per month
Free Online Bill Pay
Free Online Banking
Free Mobile Banking
Free Mobile Deposit
Free Mobile Wallet
Free CardValet
Person to Person Payments (Popmoney®)

(1) The interest rate and annual percentage yield (APY) may change weekly at Bank’s discretion. Interest will be compounded and paid monthly. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the available principal in the account each day.
(2) Combined balances include checking, savings, and CD available balances and consumer loans and personal lines of credit.
(3) Checks must be ordered through Highland Bank check vendor in order to receive the discount.
(4) Foreign transaction fees and surcharges may apply. Subject to approval.
(5) To receive reimbursement of surcharge and foreign transaction fees, customer must contact Highland Bank Customer Service at 952-858-4888. Reimbursement requests will be processed once per month.
(6) Front of item, 12 items per page.
(7) Mobile Deposit must meet qualifications and accept the Terms and Conditions.

View Current Rates

View a comparison chart for our personal checking account options (PDF)