It's easy to earn interest with our High Interest Checking Account. Just set up direct deposit and enroll in online banking & statements, make purchases with your debit card, and enjoy 3.50% APY on your account balance up to $25,000*. Learn more below!
High Interest Checking
Earn up to 3.50% APY
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High Interest Checking Highlights
See below for the full terms and conditions
- 3.50% APY on balances up to $25,000*
- Get cash without fees at 40,000+ ATMs nationwide
- $50 minimum deposit to open
- Free online & mobile banking**
- Enroll for free eStatements with Hills Bank Online
- A real, human banker for all your account questions. Chat with us below!
Meet These Qualifications - Earn 3.50% APY*
- Deposit $500 or more using ACH or direct deposit into your Hills Bank High Interest Checking Account each month
- Make at least 15 point-of-sale transactions of at least $10 each using your debit card (online merchants or in-store purchases both count)
- Enroll for free online banking and eStatements with Hills Bank Online**
Open your High Interest Checking Account:
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Important Disclosures and Current Rates
High Interest Checking
Balance (Qualifications Met)* Annual Percentage Yield (APY) Interest Rate $0 - $25,000 3.50% 3.45% $25,000.01 & Over 0.05% 0.05% Balance (Qualifications NOT Met)* Annual Percentage Yield (APY) Interest Rate $0 & Over 0.00% 0.00% *APY = annual percentage yield. APY effective 12-01-2025.
The variable rate and terms may change after the account is opened. Fees may reduce earnings. Personal accounts only. $50 minimum deposit to open. No minimum balance.
ELIGIBILITY REQUIREMENTS. In order for your account to earn an interest rate of 3.45% with an APY of 3.50% on balances up to $25,000.00 and earn an interest rate of 0.05% with an APY of 0.05% on any balances greater than $25,000.00, the following requirements must be met. You must have an ACH deposit(s) greater than or equal to $500.00 and 15 Point of Sale (POS) or recurring debit card transactions greater than or equal to $10.00 each that have cleared during your monthly statement cycle. In addition, you must be signed up for online banking and enrolled in e-statements for your High Interest account.
**Standard carrier rates may apply. Check with your carrier to verify charges.
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