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DEPOSIT
Free Personal Checking
- Opening Deposit $100.
- No monthly service charge or minimum balance requirements.
- Check printing fees vary by the style of checks ordered.
- No age restrictions.
- No transaction limitations. We reserve the right to close the account if there is no activity for 60 days.
Business Checking
- Opening Deposit $250.
- Monthly service charge of $5.00 and $.10 per debit or credit item will be charged to the account. Also $.10 per deposited item will be charged.
- Credit will be issued based on the 3-month US Treasury rate, adjusted monthly, for each $100 of the average available balance.
- Check printing fees vary by the style of checks ordered.
- No transaction limitations.
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Interest Bearing Business Checking
- Rate information - At our discretion, we may change the interest rate for this account. See the Deposit Account Rate Chart for rates.
- Compounding frequency - Interest will be compounded daily.
- Crediting frequency - Interest will be credited into this account monthly.
- Effect of closing an account - If you close an account before interest is credited, you will not receive the accrued interest.
- Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
- Accrual of interest on noncash deposits - Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.
- Minimum balance to open - The minimum balance required to open this account is $250.00.
- Minimum balance to earn interest - You must maintain a minimum daily balance of $0.01 in your account each day to earn the disclosed interest rate.
- Deposit limitations - You may make an unlimited number of deposits into your account.
- Withdrawal limitations - You may make an unlimited number of withdrawals from this account.
- Additional Terms - The following additional terms apply to this account: A service charge of $5.00 plus .10 cents per debit or credit item per month plus .10 cents per deposited item will be imposed every statement cycle.
FDIC insurance on this account will be limited to $250,000 per Tax Identification Number.
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49 and Holding Checking
- Opening Deposit $100.
- No monthly service charge or minimum balance requirements.
- Account holder must be 50 years of age or older.
- No fees for Cashier Checks, Money Orders, or Traveler's Cheques.
- You may receive up to two boxes of "bank logo" checks per year free of charge.
- No transaction limitations.
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NOW Account
- Opening Deposit $1,000.
- No monthly service charge if you maintain $500 balance.
- Earn interest on your balance computed by the daily balance method.
- Monthly service charge of $5.00 plus $0.10 per check will be imposed if the balance in the account falls below $500 any day during the statement cycle.
- See the Deposit Account Rate Chart for rates.
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Money Market Checking
- Opening Deposit $2,500.
- No monthly service charge if you maintain $1,000 balance.
- Earn interest on your balance computed by the daily balance method.
- Limited withdrawals of 6 per statement cycle.
- Excessive withdrawal fee of $1.00 for each withdrawal exceeding 6 per month applies.
- Monthly service charge of $5.00 plus $0.10 per check will be imposed if the balance in the account falls below $1,000 any day during the statement cycle.
- See the Deposit Account Rate Chart for rates.
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Personal Savings
- Opening Deposit $100.
- Monthly service charge is $3.00.
- Monthly service charge is waived if you maintain $100 balance.
- Earn interest on your balance computed by the daily balance method.
- Excessive withdrawal fee of $1.00 for each withdrawal exceeding 6 per month applies.
- See the Deposit Account Rate Chart for rates.
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Young Banker Savings
- Opening Deposit $10.
- One account holder must be under age 24 and one adult.
- Earn interest computed on the daily balance method to be paid quarterly.
- Monthly service charge is waived.
- Excessive withdrawal fee of $1.00 for each withdrawal exceeding 6 per month applies.
- See the Deposit Account Rate Chart for rates.
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Christmas Club Savings
- See the Deposit Account Rate Chart for rates.
- Deposit up to $2,400
- Make up to 3 withdrawals between Nov. 2 – Dec. 31
- Interest is paid quarterly
- $25 early account closing fee applies
- $25 early withdrawal penalty applies
- Any transaction exceeding the limit of 3 will activate account closure
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IRA Accounts
- Opening deposit of $50
- Types available: Traditional, Roth or Coverdell Education Savings Accounts
- Earn interest computed on the daily balance method to be paid quarterly
- No annual fee
- See Deposit Account Rate Chart for rates
- IRA’s are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA Agreement or your tax advisor for additional information
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SEP Accounts
- Simplified Employee Pension (SEP) Plan
- Opening deposit of $50
- Earn interest computed on the daily balance method to be paid quarterly
- No annual fee
- See Deposit Account Rate Chart for rate
- SEP Accounts are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your SEP Agreement or your tax advisor for additional information
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HSA Accounts
- Opening deposit of $50
- Earn interest computed on the daily balance method to be paid quarterly
- No annual fee
- $10 annual fee for debit card
- Withdrawals for qualified medical expenses only
- See Deposit Account rate chart for rates
- HSA Accounts are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your HSA Agreement or your tax advisor for additional information
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Nest Egg Certificate of Deposit
- 3-Year term, see rate chart for rate.
- Fixed rate certificate of deposit
- Minimum opening deposit of $50
- An automatic deposit ($50 minimum, $250 maximum) must be made to the CD on the same day each month from a checking or savings account held with High Plains Bank. Failure to do so will cause the rate to drop to the current savings rate until maturity.
- Automatically renewable
- Penalty for early withdrawal
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Add-On CD
- 15-Month term, see rate chart for rate
- Fixed rate certificate of deposit
- Minimum opening deposit of $1,000
- May add to CD in increments of $1,000 or more at any time, as many times as desired
- Automatically renewable at the current 1-year CD rate
- Penalty for early withdrawal
- Offer available for a limited time
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Safe Deposit Boxes (various sizes)
- We offer various sizes ranging from small to extra large
- Annual rental fees range from $15 per year to $80 per year
- Rent is billed annually and can be automatically paid from your checking or savings account
- Enjoy the knowledge that your belongings are held in a private and secure environment
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LOAN
Consumer
High Plains Bank offers a wide variety of consumer loans. We can provide personal service and quick decisions if it is time for that new car or truck. Maybe you are thinking about buying, building, or remodeling your home. Whatever your need, our friendly loan officers are ready to assist you with competitive rates and terms. Give us a call today at 1.800.984.0010 and see what we have to offer.
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Commercial
You've probably heard the saying, "It takes money to make money". With over 100 years of commercial lending under our belt we understand the cash flow needs of today's commercial client. Whether it's starting that small part-time business you have always dreamed of, or financing a multi-million dollar business, High Plains Bank can help. Stop by or give us a call today and let us show you what we can do for you.
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Farm
Since 1908 agriculture loans have been a vital part of our business. Our ag loan officers have over 250 years of combined production experience. We know what it's like to be unsure of what Mother Nature will bring or how the markets will move. We also understand the importance of supporting our customers through good times and bad. With all of the risk in today's agriculture, you can rest assured that High Plains Bank is a rock solid partner in your farm or ranch business. Whether it's a farm operating loan or buying that section next to you, we can help with fast friendly service and competitive rates. Give us a call and visit with any our experienced loan officers to find out how we can best serve your needs.
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