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Interest-Bearing Accounts

Whether you’re looking to open a savings account to aid in future expansion, or an account to hold emergency savings, Highlands State Bank is sure to meet your business needs.

Designed to make your money work for you, our interest-bearing business accounts have some of the highest rates in the area.

Business Savings Accounts* **

Earn interest and maintain easy access to your funds.

Account Highlights

  • Earn interest on balances of $1 or more
  • No monthly service charge when you maintain a daily balance of $1,000 or more
  • Up to 6 transfers per statement cycle
  • Free Highlands State Bank ATM Card
  • Free Online Banking

*If your balance falls below $1,000, a $12 monthly service charge will apply for that statement cycle.

Business Money Market* **

Get higher rates for higher balances, plus access your money via a transfer or check.

Account Highlights

  • Earn interest on balances of $2,500 or more
  • No monthly service charge when you maintain a daily balance of $10,000 or more
  • Up to 6 transfers per statement cycle
  • Free Online Banking

*If your balance falls below $10,000, a $15 monthly service charge will apply for that statement cycle.

Business Prime Interest Money Market Account (PIMMA)* **

As the Prime Rate continues to climb, the interest rate on your Highlands State Bank Prime Interest Money Market Account increases automatically.

Account Highlights

  • Earn interest on balances of $10,000 or more
  • Interest rate is tied to Prime Rate
  • No monthly service charge when you maintain a daily balance of $50,000 or more

*You must deposit $50,000 to open this account. Balances of $10,000–$49,999 incur a $20 monthly service charge and are paid the regular money market rate. Balances under $10,000 incur a $20 monthly service charge and are not paid interest. Interest is compounded daily and credited monthly.

Business CDs

Secure fixed returns at terms measured in months or years.

  • Open your CD with as little as $1,000
  • Wide choice of maturity options
  • Interest compounded daily 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

Tenant Escrow Accounts**

Earn a competitive interest rate for your tenant and receive monthly statements for all your sub-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

IOLTA Accounts

You’re required to use an Interest on Lawyers’ Trust Accounts (IOLTA), so why not chose one that gives you a competitive interest rate for your escrow funds.


If you want to grow your capital with minimal risk, there's no easier way than with one of these Highlands State Bank business savings accounts. Call your local branch today and find out how you can make the most of your money. Because a penny saved is a penny earned.

**You may not make more than six withdrawals or transfers to another account of yours, or to a third party, by means of a preauthorized or automatic transfer, telephone, online banking, check, debit card or similar order during any statement cycle. A $10 per transaction charge applies for withdrawals in excess of six per statement cycle. Accounts with repeated excessive withdrawals are subject to closure.

Looking for a Business Loan?

At Highlands State Bank, our commercial loan options give customers competitive interest rates, convenient payment options and a quick approval process.

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