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FDIC-insured community bank offering checking, savings, mortgages, and wealth management services with a focus on local banking relationships and agricultural lending in Eastern Iowa.
Data compiled from public sources
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Hills Bank and Trust Company is a traditional community bank serving Eastern Iowa with FDIC insurance backing all deposit accounts. The bank has established itself as a relationship-focused financial institution, emphasizing personalized service through in-person appointments and local branch locations. Based on their website content, they maintain a strong commitment to agricultural and small business lending, as evidenced by their educational content addressing farm family planning and beginning farmer growth strategies.
The bank offers a comprehensive suite of retail banking services including free checking accounts with no minimum balance requirements, savings accounts, certificates of deposit (CDs), and personal loan products. Their mortgage division provides home purchase and refinancing services with a dedicated local lending team. Hills Bank also operates a Wealth Management division handling investment advisory and retirement planning services.
Additional services include online and mobile banking with features like mobile check deposit, card controls, and digital wallet integration (Apple Pay, Google Pay, Samsung Pay). What distinguishes Hills Bank is their emphasis on community education and local relationship banking. They host free seminars on first-time homebuying, budgeting, and debt management.
Their content demonstrates listed knowledge in agricultural finance and farm family economics. The bank also emphasizes fraud awareness education and provides tools like card controls for lost cards managed through their online banking platform. Routing number 073913755 is prominently displayed, indicating established banking infrastructure.
Hills Bank is best suited for customers prioritizing traditional banking relationships, local service, and community connections over fintech innovation. However, the website provides no information about mobile app sophistication, interest rate competitiveness, or fees for specific services beyond free checking. No details are disclosed about business account minimums, loan terms, or investment product specifics.
For consumers seeking high-yield savings or cutting-edge digital banking, alternative options may warrant comparison. Their strength lies in personalized service and agricultural/small business lending rather than technology-first banking.
This is state-level context for Banks consumers in Hills, IA. It does not confirm that Hills Bank and Trust Company or this specific location is licensed.
State regulator
Iowa Division of Banking
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.
Hills Bank and Trust Company offers 12 services including Free checking accounts with no minimum balance, Savings accounts and certificates of deposit (CDs), Home purchase and refinance mortgages, Personal loans and home equity loans/lines of credit, Wealth Management and investment advisory services, and 7 more.
Hills Bank and Trust Company has profile signals associated with Iowa farmers and agricultural business owners seeking listed lending experience context, First-time homebuyers wanting local mortgage guidance and free educational seminars, Small business owners in Eastern Iowa prioritizing relationship-based banking, Customers seeking traditional community banking with in-person branch relationships.
Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; Free checking with no minimum balance requirements and unlimited debit card transactions; Free educational seminars on first-time homebuying, budgeting, and debt management. Areas to consider: Website does not disclose interest rates for checking, savings, or CD products; No information about account fees, overdraft policies, or service charges beyond free checking.
In the Banks category, comparable providers include American State Bank, American State Bank, American Trust and Savings Bank. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Hills Bank is profile signals for Eastern Iowa residents and agricultural business owners seeking personalized, relationship-based banking with strong local experience context. The primary caveat is that the website lacks transparency on interest rates, fees, and competitive product terms—requiring direct contact with the bank for pricing decisions and detailed account comparisons.
Regional bank operating in Iowa and South Dakota since 1913, offering checking, savings, mortgages, investments, and insurance through its parent company Ambank Company.
Profile signals: Residents of Iowa and South Dakota communities served by American State Bank seeking full-service regional banking, Customers wanting integrated banking, investment, and insurance services from a single institution
American State Bank is a community bank offering FDIC-insured checking, savings, debit cards, online banking, and mortgage lending services across multiple Iowa locations.
Profile signals: Residents of Osceola, Lamoni, Winterset, and surrounding Iowa communities, Customers who value personal relationships and local decision-making over branch convenience
Community bank in Lowden, Iowa offering personal checking, savings, loans, and digital banking since 1913 with emphasis on local relationships.
Profile signals: Agricultural businesses and farmers seeking listed farm lending in Iowa, Small business owners in rural Iowa communities preferring local banking relationships
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