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


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.

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