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 wide selection of checking account options, all designed to meet a variety of needs.

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 (includes Purchase Rewards, FinanceWorks and eStatements)
  • Text Banking and Mobile Banking Apps (phone carrier charges may apply)
  • Debit Card** (bank approval standards apply)
  • E-Statements

Checking Options

Each of our checking accounts comes with its own features and benefits. Here’s a short summary of our accounts, with a comparison table below for more detailed account information.

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

Value Checking- Don’t write a lot of checks? Value Checking is perfect for you! Get access to all of our standard account features with a cap on the number of checks you can write each month and no minimum daily balance.

Regular Checking- Ideal for those who keep higher checking account balances, Regular Checking includes all of our standard account features plus check images on statements for better recordkeeping.

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

Club Blue Checking- Go blue with Club Blue Checking! Designed exclusively for members who want more, this account comes with a plethora of added benefits like discounted tickets to adventures across Iowa, travel promotions, Identity Fraud Insurance coverage 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

AccountFreeValueRegularInterestClub Blue
Min. Opening Deposit$100.00$100.00$100.00$1,500.00$100.00
Min. Daily BalanceNoneNone$500.00$1,500.00None
Interest BearingNoNoNoYes*No
Check ImagesYesNoYesYesYes
Online Banking & Bill Pay
Yes – includes Purchase Rewards & Finance Works
Yes – includes Purchase Rewards & Finance WorksYes – includes Purchase Rewards & Finance WorksYes – includes Purchase Rewards & Finance WorksYes – includes Purchase Rewards & Finance Works
Test & Mobile Banking/Apps*UnlimitedUnlimitedUnlimitedUnlimitedUnlimited
Debit Card**No chargeNo chargeNo chargeNo chargeNo charge
Check WritingUnlimitedUp to 25.15 per item over 25UnlimitedUnlimited
E-StatementsNo chargeNo chargeNo chargeNo chargeNo charge
Checks ProvidedNoNoNoNoYes
Monthly Service ChargeNoneNo monthly service charge if less than 25 checks are written per cycle; $3 charge for 25-49 checks; $5 with 50+ checks per cycle$6 per month if balance drops below minimum$6 per month if balance drops below minimum$8 per month or $4 for LiNK Members

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