Checking

FREE CHOICE CHECKING

Need lots of access and no monthly fees?  This is the account for you!  Just $100 to open an account and your first order of personal checks are FREE!  We’re happy to provide you free telephone 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 free Bill Pay. A statement for your account will be emailed to you promptly once a month.  All for free!

SMART CHOICE CLUB ACCOUNT

Need an account that covers all the bases?  You can enjoy all the features of our Free Checking plus these added features:  Free Personal Checks, Free Cashier’s Checks, Free Traveler’s Checks, interest paid on your average balance over $1,000, and images of your checks included in your monthly statement.  Ever heard of insurance you get with a checking account?  How about this:  $5,000 ID Theft coverage, $10,000 Accidental Death coverage, and $150,000 Common Carrier coverage (plane, bus, train).  Your Club account also gives you many other great discounts on everything from Rental Cars to Movie Tickets to Flowers!  All of this for only $5.00 a month.

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GOLDEN CHOICE CLUB ACCOUNT

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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BASIC CHECKING

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!

  To view our Checking Account Benefit Comparison!

 FUNDS AVAILABILITY

  To view our Funds Availability Policy.
 

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  To reorder checks Online!

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OVERDRAFT PRIVILEGE

As an additional benefit to your checking account, Highland Federal Savings and Loan offers a $400.00 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 $400.00 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, 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.

Should an overdraft occur, your account will be charged the standard NSF fee of $22.00 for handling each item even if paid by the discretionary overdraft privilege.  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.

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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