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Personal Checking

Flexible checking solutions to support your goals.

Which account is right for you?

Answer a few short questions to find the right account for you.

Compare Our Checking Options

Designed For
Simple banking with no monthly service charge.
Interest Earned
No
Minimum to Open
$50.00
Monthly Service Charge *fees may reduce earnings
No
Paper Statement Charge
$5.00
Designed For
Everyday banking loaded with extras.
Interest Earned
No
Minimum to Open
$50.00
Monthly Service Charge *fees may reduce earnings
$8.00
Paper Statement Charge
No
Designed For
Competitive interest and the flexibility of a full-service account.
Interest Earned
Yes
Minimum to Open
$50.00
Monthly Service Charge *fees may reduce earnings
$9.00 If balance falls below $1,000
Paper Statement Charge
No
Designed For
Save for medical expenses if you have a high-deductible health plan.
Interest Earned
Yes
Minimum to Open
$50.00
Monthly Service Charge *fees may reduce earnings
$10.00 If balance falls below $5,000
Paper Statement Charge
No

All of our checking accounts include these convenient features: Digital Access, Free eStatements, Contactless Debit Card

PERSONAL CHECKING MADE CLEAR

Personal Checking FAQs

Frequently asked questions about checking accounts.

How do I set up direct deposit?

Direct deposit is the fastest and safest way to receive your paycheck or recurring payments. To set it up, provide your employer or the organization making the payment with Highpoint Community Bank’s routing number and your checking account number. This works for payroll, government benefits, Social Security, or pension payments. If you need help, stop by any HCB branch and we will walk you through the process.

How do I order checks?

We have partnered with Harland Clarke to provide safe and convenient options to order checks:

Mobile App and Online Banking

  • Select the account you want to order checks for in the app, then "Reorder Checks" from the menu.

Online Through Harland Clarke

  • Order directly with Harland Clarke, our preferred check provider: Order Checks

By Phone

  • Call 800.275.1053

In Person

When you place your order using any of these convenient options, be sure to select your check style and confirm the following:

  • Name and address
  • Routing number
  • Account number
  • Check starting number

Please note: If you would like to change a name or address on your checks, please visit a branch near you or call us at 888.422.2280 to complete your order.

What should I do if my debit card is lost or stolen?

In a lost or stolen card situation, the priority will be to turn the card offDuring normal business hours, please contact any Office to request your card to be turned offAlternately, or after business hours, you can report the card as lost or stolen through your HCB mobile app – under Card Management – or call the 24-Hour hotline at 1-888-297-3416. 

Experience more with our Highpoint Club.

The Highpoint Club is designed to give those over the age of 65 additional benefits, including:

  • Free Highpoint Club checks or 50% discount on a check of your choice
  • Free Travelers Cards
  • Free Photocopies
  • 20% discount on safety deposit box
  • Invitations to special events

Highpoint Club members are offered the opportunity to travel together each spring and fall. In addition, we gather each Christmas season for an annual holiday luncheon. Contact us for more information or visit with any Highpoint Community Bank Customer Service Representative to enroll in The Highpoint Club.

Highpoint Club Christmas 2025
Highpoint Club Bus

Beyond Checking

More Ways We're Here for You

Maintaining Your Peace of Mind

Overdraft Protection

Keep your payments covered and fees to a minimum.

Modern Banking for your busy life

Digital Banking

Smart tools that help you stay in control of your finances wherever you are.

Building Toward Tomorrow

Personal Savings

Find the right savings account to reach your goals faster.

Flexibility for every purchase

Card Options

We offer a variety of card options designed to make managing your money simple, secure, and flexible.