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.

Looking for maximized benefits? Perhaps our Premier Checking is for you!


Free Checking Advantage Checking High Yield Checking
Everyday banking with the essentials Everything you need from a checking account and more Enjoy a competitive interest rate with additional benefits
Account Benefits
  • No monthly service charge
  • Fast and secure electronic statements

  • Receive your direct deposit up to two days early¹ with Advantage Pay
  • Complimentary safe deposit box rental for first year
  • One free personal loan Skip-A-Pay per year
  • Unlimited ATM foreign fee waivers²
  • ATM surcharge refunds²
  • Free Photocopies

Earn a premium rate of interest on balances up to $15,000

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
  • IDProtect³
  • Cellular Phone Protection
  • Accidental Death & Dismemberment Insurance⁴
  • Travel and Leisure Discounts
  • $hopping Rewards
  • 2 free cashiers checks per month
  • Unlimited ATM foreign fee waivers²
  • ATM surcharge refunds²

How to Avoid Monthly Service Charge

  • Active military members or veterans
  • Minimum daily balance of $1,000


  • $5,000 combined relationship balance
Monthly Service Charge None

*$5.00 monthly charge if you choose to receive paper statements*

$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.