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.

	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	LEARN MORE ABOUT ADVANTAGE CHECKING PERKS! 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	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		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 or $5,000 combined relationship balance
Monthly Service Charge	None $5.00 monthly charge if you choose to receive paper statements	$6.00	$7.00

Debit Cards

Online and Mobile Banking

eStatements

Remote Check Deposit

Overdraft Privilege Protection

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.

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