Personal Banking

Highlands State Bank is a small, community-oriented bank dedicated to providing personalized service and competitive rates.

We deliver the kind of attention you expect in quality banking. As people who work and live here, we understand our customers and serve their needs with checking and saving accounts, mortgages, and consumer loans.

Personal Checking

Personal Checking Accounts give you the opportunity to manage your money your way. No monthly service fees, no minimum balance, unlimited check writing, free internet banking, and a free debit card are just a few of the ways we keep our customers’ best interests in mind.

Personal Savings

Vacation fund. College fund. Rainy-day fund. Our customers call their Statement Savings Accounts all kinds of different names, but they all enjoy the same convenience and accessibility. In addition to competitive rates, account holders receive a free ATM card and FDIC insured protection. Statement Savings even pay interest on balances of $1 and up, making saving money even easier.

Certificate of Deposits

You’ll rest assured at night with a Highlands State Bank Certificate of Deposit. CD interest is compounded daily and credited monthly for CDs $1,000 - $99,000 in value—with guaranteed interest rates for the entire term of your account—so you can enjoy a little predictability with your finances.

Personal Loans

We understand life is filled with sudden changes—that’s why we offer personal loans with fast turnaround decisions. Whether it’s a new car, college tuition, or a roof that needs to be replaced, we have the loan to match and the friendly, personalized service to help make it happen. Buying or refinancing? We know it’s not easy. Highlands State Bank is committed to helping you find a mortgage loan that fits. Our representatives have the knowledge to guide you through the borrowing process, from start to close.

In addition to convenient access to you accounts, pay bills anytime with our free online banking bill pay service.