Personal Checking

Let’s Get Personal

Individual accounts require a personal touch. After all, we’re talking about your money, your dreams, and your hard work. We offer a full suite of checking account options that help you meet your financial goals, whether you’re just getting started or starting to enjoy your retirement years.

Are you switching accounts from another bank? Our Switch Specialists are ready to help! Use our HCB Switch Kit to get started.


  Essential Checking Advantage Checking High Yield Checking
  Everyday banking with more ways to waive the monthly fee Keep your money safe and protect your identity An interest -bearing account that works in your best interest
Account Benefits
  • Up to 4 ATM foreign fee reimbursements*
  • Up to 4 ATM surcharge refunds per month*

  • Complimentary safe deposit box rental for first year
  • One free personal loan Skip-A-Pay per year
  • First box of check is on us
  • Unlimited ATM foreign fee waivers*
  • ATM surcharge refunds*
  • Free Photocopies

3.00% APY* on balances up to $10,000

Requirements to earn premium rate ***:

  • Minimum monthly direct deposit(s) of at least $1,000
  • E-Statements
  • Conduct 10 or more debit card transactions with a minimum transaction amount of $20.00
Additional Perks  
  • IDProtect*
  • Cellular Phone Protection
  • Accidental Death & Dismemberment Insurance
  • Travel and Leisure Discounts
  • $hopping Rewards
  • 2 free cashiers checks per month
  • Unlimited ATM foreign fee waivers*
  • ATM surcharge refunds*

How to Avoid Monthly Service Charge

Any ONE of the following:

  • E-Statements
  • Minimum monthly direct deposit(s) of at least $250
  • $500 minimum daily balance
  • $2,500 combined relationship balances
  • Students up to age 26
  • Age 60 or over
  • Active military members or veterans
  • Minimum daily balance of $1,000


  • $5,000 combined relationship balance
Monthly Service Charge $5.00 $6.00 $7.00

Transit routing number

Highpoint Community Bank’s transit routing number is 072402869. Use this number to set up your drafts, direct deposits and outside transfers.