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Commercial Services

Expect more for your business from Highlands State Bank®.

As a local, independent bank, Highlands State Bank® cares about you and the success of your business. Because we live and work here, we have a first-hand knowledge of local business conditions and local business needs. In fact, our comprehensive range of commercial products and services has been designed to help you meet the financial challenges and opportunities of our shared market area.

Free Business Checking

With a free business checking minimum opening balance of just $100 or more, you receive:

  • Unlimited check writing, with no per-check charges.
  • No minimum balance requirements.
  • Free telephone banking transfers and inquiries.
  • Free MasterCard® Debit Card.
  • Night drop, merchant services, and online banking available.

Highlands Desktop Banking

Go to the bank without leaving your office!

Scan your checks with the Highlands Desktop Banking system, verify the deposit totals and transmit your deposit to the bank electronically. Within minutes you receive a confirmation through email that your deposit has been received. Deposit any time that is convenient for you, up to 6PM for same day credit.

Escrow Accounts

  • No minimum opening balance requirements.
  • One master account with multiple interest bearing sub-accounts.
  • Includes annual interest and 1099 processing.
  • Convenient monthly statements with a sub-account balances.
  • Night drop, merchant services, and online banking available.

Business Certificates of Deposit

Save ahead for large future expenditures, or expand your profits with guaranteed growth and safety.

  • Open your CD with as little as $1,000 or more.
  • Wide choice of maturity options.
  • Interest compounded and credited monthly, with optional crediting to your Highlands State Bank business checking account.
  • FDIC insured protection.
  • Deposits must remain until maturity or a penalty for early withdrawal may apply.

Merchant Services

Highland State Bank’s innovative credit and debit card processing systems let you accept all major cards at point of sale. With fast authorizations, access to check verification and guarantee services, you receive a quick settlement of transactions to your business account.

For more information on any of our services, ask your Highlands State Bank® representative, call 973-764-3200