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Need lots of access and no monthly fees?  This is the account for you!  Just $100 to open an account!  We’re happy to provide you free internet banking, free notary services, and unlimited check writing.  Also, you may apply for a free MasterCard Debit/ATM card, Overdraft Privilege*, and Internet Banking** with Bill Pay**. A statement for your account will be emailed to you promptly once a month.  All for free!  Email access is required for this account.

* Click here for important disclosures regarding our Overdraft Privilege Program
 ** Third party message and/or data rates may apply.


For only $5.00 monthly fee you will receive all of the benefits of Free Checking, plus the following additional benefits:

  • Personalized Checks
  • No additional fee for purchase of Cashier Checks
  • $10,000 Accidental Death & Dismemberment Insurance
  • IDProtect Identity Theft Monitoring and Resoution Service
  • Cellular Telephone Protection
  • Shopping Rewards
  • Credit Score Simulator
  • And many more. Ask for details.
* Value of check required.


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Are you 55 or older?  You can enjoy all the benefits of the Smart Choice Club Account at a discounted price!  Just $4.00 a month!

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Need just the basics?  Call us about opening a Basic Checking account.  This option may better suit your banking needs.  If you have a non-profit organization this option would be the perfect account!


* This account is not available for corporations, limited liability corporations, partnerships or any other for-profit businesses.

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We have low cost Business checking account to help manage your financial needs.  There is no monthly service charge unless the average daily balance falls below $1,000.00.  Talk to one of our customer service representatives today.

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  To view our Funds Availability Policy.
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  To reorder checks Online!
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As an additional benefit to your checking account, if your account has been open for at least thirty (30) days, and thereafter you maintain your account in good standing, which includes at least: 

A)    Bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours;
B)   Not being in default on any loan or other obligation to Highland Federal Savings and Loan Association and
C)   Not being subject to any legal or administrative order or levy

Highland Federal Savings and Loan may offer you a $100.00 overdraft privilege.  Overdraft privilege is not a line of credit.  This means that should you inadvertently overdraw your account we have the discretion to cover your overdrafts up to $100.00 after first subtracting the amount of the overdraft fee(s) as outlined in the Discretionary Overdraft Privilege Policy.  When your items are paid, this service will help save you the embarrassment and inconvenience of a returned item as well as the fee normally charged to you by merchants for items returned to them.  Although the amount of Discretionary Overdraft Privilege will not be shown in your available balance, if you opt in it may be available to you for ATM cash withdrawals, telephone, Internet Banking and when you use your check card for purchases at retail merchants.  Eligible customers may be considered for increased Overdraft Privilege limits after 60 days of satisfactory account history.


Should an overdraft item be created by check, in person withdrawal, ATM withdrawal or other electronic means, your account may be charged the standard NSF fee of $28.00 for handling each item even if paid by the discretionary overdraft privilege service.  This is the same fee that Highland Federal Savings and Loan Association charges for items drawn against insufficient funds and returned to the payee.  If multiple items are presented against your account on the same day, each item will be assessed the NSF fee. Please review our Full Discretionary Overdraft Privilege Policy for details.


This service is offered as an additional benefit of doing business with Highland Federal Savings and Loan.  It is our pleasure to make this courtesy available to you as a means of expressing our appreciation for the confidence you have placed in Highland Federal Savings and Loan Association by entrusting us with your financial relationship.  Please remember the Overdraft Privilege service is not an agreement for Highland Federal Savings and Loan to pay your overdrafts and we may withdraw this privilege at any time.  Payment of any overdrafts will continue to be at the discretion of Highland Federal Savings and Loan and payment of an overdraft does not obligate us or create an agreement or course of dealing on our part to allow overdrafts on any occasion.


If you have any questions regarding this service, please contact our Main Office at 931-484-6178 or our Fairfield Glade Branch Office at 931-484-3612 or e-mail us at deposits@highlandfederal.com.


Please take a moment to review our Discretionary Overdraft Privilege Policy.

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