Personal Checking Accounts
Scot Free Checking Account
- $100 is required to open this account
- No minimum balance requirement
- No per check fee—unlimited check writing
- No monthly service charge
- Unlimited transfers to your other Highland Commercial Bank accounts, upon request or on a recurring basis
- No fee online banking and bill pay
- No monthly fee for ATM/Debit card*
- Up to $10 monthly refund for foreign ATM withdrawal fees—must present receipts in person to receive the refund**
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First order of standard, wallet style checks free
Interest Checking Account
- $100 is required to open this account
- $10 monthly service charge if average daily balance falls below $1,500
- Interest is credited monthly (ask one of our representatives for current rates)
- No per check fee—unlimited check writing
- Unlimited transfers to your other Highland Commercial Bank accounts, at your request or on a recurring basis
- No fee online banking and bill pay
- No monthly fee for ATM/Debit card*
-
Up to $10 monthly refund for foreign ATM withdrawal fees—must present receipts in person to receive the refund**
50+ Gold Checking Account
- An account especially for our customers age 50 and above
- $100 is required to open this account
- No minimum balance requirement
- No monthly service charge
- Unlimited transfers to your other Highland Commercial Bank accounts, upon request or on a recurring basis
- No per check fee—unlimited check writing
- No fee online banking and bill pay
- No monthly fee for ATM/Debit card*
- Up to $10 monthly refund for foreign ATM withdrawal fees—must present receipts in person to receive the refund**
- Two free boxes of standard wallet style checks each year.
- $30 discount on annual safe deposit box rental
- Interest is credited monthly (ask one of our representatives for current rates)
- No-fee cashier’s checks***
*ATM owners may charge a usage fee.
**Highland Commercial Bank reserves the right to change this offer at any time.
***This offer may be changed at any time, without notice.
ATM Card
- Instant issue at the bank which provides 24 hour access to your account
Debit Cards
- May be used anywhere Master Card is accepted, also has 24 hour ATM access


