No stored Google rating available.
FDIC-insured bank offering checking, savings, CDs, loans, mortgages, and digital banking services to consumers and small businesses.
Data compiled from public sources
S. Government. The bank operates both consumer and commercial divisions, serving individual customers and small to medium-sized businesses through a network of physical locations and digital channels.
The bank provides a comprehensive suite of financial products including Kasasa checking and savings accounts with cash-back and interest-earning features, CDs and IRAs, debit and credit cards, personal loans, home equity lines of credit (HELOCs), mortgages (including purchase, refinance, and construction options), and investment planning services. For businesses, Highland offers commercial checking and savings accounts, business loans, SBA lending, cash management solutions, and dedicated commercial banking support. Highland distinguishes itself through partnerships with Kasasa, offering rewards-based checking accounts, and by providing listed mortgage products like construction mortgages and HELOC options with promotional rates.
The bank emphasizes digital capabilities with a comprehensive Digital Banking Suite including bill pay, card management, Zelle transfers, and mobile app access. They also highlight fraud prevention tools, financial education resources, and community involvement programs. Highland Bank appears to be a legitimate, federally-chartered institution with listed regulatory identifiers (NMLS ID #478369, Routing #091916378).
However, the website provides limited detail on specific rates, fees, loan terms, or minimum balance requirements. Prospective customers would need to contact the bank directly or visit locations for detailed pricing and eligibility information.
This is state-level context for Banks consumers in Saint Paul, MN. It does not confirm that Highland Bank or this specific location is licensed.
State regulator
Minnesota Department of Commerce
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Highland Bank processed 489 mortgage applications in 2023, with 81.6% recorded as approved across 2 states.
489
Applications
81.6%
Approval Rate
$126K
Avg Loan
2
States Served
Based on 489 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Highland Bank offers 12 services including Free Kasasa Cash Checking with cash-back rewards, Kasasa savings accounts with interest-earning benefits, CDs and IRA accounts, Debit and credit cards, Personal and commercial loans, and 7 more.
Highland Bank has profile signals associated with Small business owners seeking SBA lending and commercial banking relationships, Homeowners looking to leverage equity through HELOCs or mortgages, Consumers wanting rewards-based checking with Kasasa benefits.
Key strengths: FDIC-insured deposits with full U.S. Government backing; Kasasa checking accounts earn cash back and higher interest rates; Comprehensive mortgage options including construction loans and HELOC specials. Areas to consider: Website lacks specific interest rates, APRs, or fee schedules for comparison; Limited transparency on loan terms, minimum balances, or eligibility requirements.
In the Banks category, comparable providers include Alliance Bank, American Heritage National Bank, Ameriprise Bank, FSB. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Highland Bank is profile signals for customers seeking a full-service bank with FDIC protection, rewards-based checking, and mortgage/HELOC options, particularly small business owners and homeowners. The main caveat is that the website provides minimal rate and fee transparency, requiring direct contact with the bank for specific pricing and terms.
Alliance Bank Lake City, MN — FDIC-insured community bank headquartered in St. Paul, Minnesota, offering checking, savings, mortgages, business banking,...
Profile signals: Minnesota-based farmers and agricultural business owners needing listed lending, Small business owners in Minnesota seeking integrated payroll and cash management tools
Community bank in St. Cloud, Minnesota operating since 1881 with six locations. Offers personal, business, and wealth management services with distinctive log cabin architecture.
Profile signals: Central Minnesota residents seeking personalized banking relationships with a locally-rooted community bank, Small business owners in St. Cloud, Clearwater, Avon, Long Prairie, or Browerville wanting local decision-making
Ameriprise Bank, FSB is a diversified financial services firm offering financial planning, investment advisory, and banking services through a network of dedicated advisors.
Profile signals: Individuals seeking comprehensive financial planning with dedicated advisor relationships, Investors looking for integrated wealth management and investment advisory services
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Highland Bank and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.