ezGreen Checking

Checking and savings all in one convenient, secure, paperless account!

Account Features:

  • Variable interest on all balances
  • ATM/Debit Card with Free Fraud Monitoring
  • $2 fee for monthly mailed statements
  • Free Online and Mobile Banking
  • Free Billpay
  • Free eStatements
  • Free Priority Alerts
  • 1 FREE ATM withdrawal at non-HSB ATM's per month**
  • $50 opening deposit required

** Two or more ATM withdrawals at non-HSB ATM's are $1.50 plus tax each.

HSB Club Account

A small monthly service charge entitles you to accidental death and dismemberment insurance, FREE personalized wallet club checks, and a very attractive package of discounts, services, and products at no additional charge on this checking account.

Account Features

  • Minimum to open - $50.00
  • Earn interest on daily collected balanced over $1,000.00
  • Maintenance fee is based on the amount of accidental death insurance carried on the account.
    • $10,000 Insurance - $6.50 + tax per month
    • $20,000 Insurance - $7.50 + tax per month
    • $30,000 Insurance - $8.50 + tax per month

Included with your HSB Club Account at no extra charge

  • Personalized Wallet Club Checks
  • Discount on Installment Loan if Auto Pays
  • Money Orders
  • Cashiers Checks
  • Notary Service
  • $100,000 Common Carrier Insurance
  • Admission Discount to Adventureland
    Receive a discount to Adventureland, Iowa's premier theme park. Adventureland offers visitors more than 100 rides, shows, and attractions. One day admission passes are available at a remarkable low price.
  • Explore Iowa - Vacation Discounts
    Developed exclusively for members of the IBA Bank Club, Explore Iowa includes vacation specials throughout Iowa. Choose from family getaways, romantic hideaways, golf outings and casino excursions. Each package has its own personal flair at prices you won't believe. Why go anywhere else when what you're looking for is right here in Iowa. Stop by the bank to pick-up your discount brochure.

NOW Account

Earn an attractive rate of interest on your entire NOW account balance with Houghton State Bank as long as the $1,000.00 minimum balance requirement is maintained.

Account Features:

  • Now accounts are not available to partnerships or corporations.
  • Maintenance Fee - $5.00 + tax if the daily balance drops below $1,000.00
  • Activity Fee - $0.20 + tax if minimum balance is violated
  • Minimum Opening Deposit - $50.00

Investment Checking

Maintenance Fee= $10.00 + tax, if the daily balance drops below $5,000.00. Interest rates are tiered and depend on the account balance.

Account Features:

  • Minimum Opening Deposit - $5,000.00

Overdraft Protection

HSB Protect is an overdraft protection plan that protects your checking account from embarrassing overdrafts and fees. It also enables you to obtain an instant loan whenever you need money.

Here's how it works:

  • Apply for a credit line (the limit will be set with your budget in mind)
  • Attach the credit line to a new or existing account at Houghton State Bank
  • If your checking account balance drops below an established amount (usually set at zero), funds are advanced up to your pre-approved limit to cover the needed amount
  • Repayment can be done as one payment in full or paid back in low monthly installments
  • Interest rate on this credit line is fixed

For more information on this product call Houghton State Bank, (712) 623-4823 and ask for more details on HSB Protect.