Checking Accounts

A Checking Account that Fits You!

Your checking account. It’s the basis of your personal finances, and should match your cash flow and how you manage your money. At Hardin County Savings Bank, we offer a simple checking account with simple features.

Standard Checking Account Features

All of our checking accounts come with the same basic features to provide you with better access to your hard-earned money:

  • Online Banking and Bill Pay
  • Text Banking and Mobile Banking Apps (phone carrier charges may apply)
  • Mobile Deposit
  • Debit Card** (bank approval standards apply)
  • E-Statements


Premium Checking- If you use all four of the requirements above, then Premium Checking could be for you! Here are all the disclosures you need to help you make the decision: *Annual Percentage Yield (APY) effective as of August 15, 2022. Interest rate and APY may change after account opening. If you do not meet all criteria for Rewards Premium Checking rate, you will receive Simply Interest >=$1500 rate. Amount of $25,000 or more will receive Simply Interest >=$1500 rate. $6 maintenance fee (plus tax) if average daily balance drops below $2500. Fees may reduce earnings. Consumer only. One account per SSN. **Per statement cycle. Must post and clear. 

Simply Checking- It’s all in the name! Simply Checking has no minimum daily balance requirement, free unlimited check writing and no monthly service charge.

Simply Interest Checking- Start earning interest with Simply Interest Checking! With this account you get all the standard features of Simply Checking plus interest on your balance.

Club Blue - Go blue by adding Club Blue to your checking account! It's designed exclusively for customers who want more. Club Blue comes with a plethora of added benefits like ID Monitoring service, Identity Fraud Insurance Coverage, discounted tickets to adventures across Iowa, travel promotions and more!

Learn More


Download our Deposit Account Application!

Fill out our application, print it and bring it by any HCSB office today to start the account opening process.

Checking Account Comparison Chart

AccountSimply CheckingSimply Interest Checkingadd Club Blue
Min. Opening Deposit$100.00$1,500.00$100.00
Min. Daily BalanceNone$1,500.00None
Interest BearingNoYes* 
Check ImagesYesYesYes
Check WritingUnlimitedUnlimitedUnlimited
Checks ProvidedNoNoYes
Monthly Fees


$6 monthly maintenance fee if balance drops below minimum

(plus tax)

$8 per month or $4 per month for LiNK Members

(plus tax)

*The interest rate and annual percentage yield may change after account opening.

Our Locations