Earn 4.33% APY* with High-Yield Checking Finally, a checking accountthat works as hard as you Open Online Today Earn up to 4.33% APY*with High-Yield Checking Your money should work harder. With Advantage Checking, you can earn competitive interest on your everyday balance—while enjoying the flexibility of a checking account. Open Online in Minutes No Complicated Requirements High-Yield Earnings on Your Balance Open Online Today Open at a Banking Center Earn the easy way - no complicated hoops to jump through Use OnlineStatements Safe and easily-accessible on Online / Mobile banking Deposit or keep $1,000in the account Deposit $1,000 - OR - keep a minimum balance of at least $1,000 per statement cycle Make 20+ purchaseswith your debit card Use your card, digital wallet or tap to pay just like you do already! Advantage Checking Open Online Today Market Leading Interest 4.33% APY* On balances up to $35,000 Balances above $35,000 earn 0.25% APY* Easy to earn each statement cycle Use Online Statements Make $1,000 in deposits - OR -Keep a $1,000 minimum daily balance Make 20+ debit card purchases Minimum to Open $100 Monthly Service Charge $10 Easy to Avoid the Monthly Service Charge 1) Use Online Statements 2) Have deposits totaling $1,000 or more each statement cycle OR Maintain a $1,000 minimum balance per statement cycle The Features You Need Visa Debit Card Digital Wallets Mobile & Online Banking Bill Pay Mobile Check Deposit1 Zelle® Why Advantage Checking? Open Online Today Earn up to 4.33% APY* No complicated requirements Open your account online in minutes Easily avoid the $10 monthly service charge. Open Online Today What you'll need to open your Advantage Checking account: To apply for a checking or savings account, you will need the following information for each account owner: Social Security Number Driver's license or State ID Home address Email address If you want to transfer money from an account at another bank, you will also need the account information and routing number. Open Online Today Open at a Banking Center High-Yield Advantage Checking FAQs What is a high-yield checking account? A high-yield checking account allows you to earn interest on your everyday balance, often by meeting simple monthly requirements. For Advantage Checking, the requirements to earn 4.33% APY* on balances up to $35,000 are: Use Online Statements Deposit at least $1,000 OR maintain a minimum daily balance of $1,000 per statement cycle Make at least 20 debit card purchases per statement cycle Is my money safe? Yes, your deposits are FDIC-insured up to $250,000 per depositor. Hillcrest Bank is a division of NBH Bank, Member FDIC. NBH Bank operates under multiple trade names in multiple states. Divisions of NBH Bank are not separately FDIC-insured banks. The FDIC coverage extended to deposit clients is that of one insured bank. How quickly can I open an account? Our online account opening takes just a few minutes. Here's the information you'll need: Social Security Number Driver's license or State ID Home address Email address If you want to transfer money from an account at another bank, you will also need the account information and routing number. Do you offer Overdraft Protection? Overdraft Privilege* comes with eligible accounts as part of our standard overdraft practices. Visit our Overdraft Protection page for more information. How do I set up direct deposit for my personal checking account? Direct deposit is not only fast and convenient. It’s also safer than paper checks. To set it up, simply fill out this form and deliver it to your employer or payroll provider. Why choose Hillcrest Bank? Hillcrest Bank combines technology to make banking simple with local expertise to offer you 1:1 service. As your neighbors, we share a passion to do more for our communities. Strengthening our communities means investing in you. When you have a question, real people are here to help. How do I move my accounts to Hillcrest Bank? Visit a Hillcrest Bank banking center or open an account online. Gather information like account numbers and routing numbers from your old bank. Switch all direct deposits and automatic payments to your new Hillcrest Bank account. Transfer funds from your old account to your new Hillcrest Bank account once you’re sure all direct deposits and automatic payments have been transferred. You can do this quickest through an ACH (online) transfer, or you can use a cashier’s or personal check. Once the transfer clears, close your old account. *4.33% Annual Percentage Yield (APY) on balances up to $35,000 per statement cycle when all of the following conditions are met: 1) Enrolled in online statements 2) Have at least $1,000 in deposits or a $1,000 minimum daily balance per statement cycle 3) Make at least 20 debit card purchases per statement cycle. Balances above $35,000 earn 0.25% APY. If conditions are not met, the entire balance in the account earns 0.25% APY per statement cycle. Rate is subject to change after account opening and without notice. 1Please refer to the Electronic Funds Transfer Agreement and Disclosure for a definition of pre-authorized debits.
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