Basic Checking also known as New Jersey Consumer Checking is a low cost checking account with no minimum monthly balance requirement. Monthly maintenance fee of $3.00 includes 8 paid checks per month. A $.50 per check charge will be assessed for all checks over 8 per month. Checking accounts come with a MasterCard ATM/Check Card for convenient, anytime access to your money. 

If you write only a few checks per month, this account is for you.

Tiered interest-bearing checking account with up to $120 per year in ATM rebates. Platinum Checking comes with unlimited check writing and a MasterCard ATM/Check Card for convenient, anytime access to your money and earns you a competitive interest rate. There is no minimum balance required to earn interest and only $100 is required as an opening deposit. Account is subject to a $12.00 monthly maintenance fee if the daily balance falls below $1000. Fees could reduce earnings.

The interest rate and Annual Percentage Yield (APY) on this variable rate account is determined at the discretion of the bank and can change at any time without notice. Simple interest is paid and compounded monthly. If you close your account before interest is credited, you will not receive accrued interest. We use the daily balance method to calculate the interest on your account. Interest begins to accrue on noncash items on the day of deposit.

With Direct Checking you won't have to make a special trip to the bank to cash or deposit your paycheck. Your funds are available as "cash" on the day you would normally receive your check and may even be withdrawn at any 24 Hour ATM location.

PrimeTime Checking
Congratulations. If you're celebrating your 55th plus birthday, then you qualify for our PrimeTime Checking account program. For our clients who have reached their 55th birthday, Hilltop Community Bank offers a tiered interest bearing checking account with up to $120 per year in ATM rebates.

PrimeTime Checking comes with unlimited check writing, a MasterCard ATM/Check Card for convenient, access to your money plus waived fees for Travelers Checks, Certified Checks, Treasurer's Checks and Stop Payment requests. Accounts may be opened with a $100 minimum opening deposit and do not require any monthly minimum balance after account opening.

The interest rate and Annual Percentage Yield (APY) on this variable rate account is determined at the discretion of the bank and can change at any time without notice. Simple interest is paid and compounded monthly. If you close your account before interest is credited, you will not receive accrued interest. We use the daily balance method to calculate the interest on your account. Interest begins to accrue on noncash items on the day of deposit.

For added safety and convenience, you may include the direct deposit of your paycheck or social security check into your account.

Club Checking
Receive a "bonus" package of benefits with Club checking. For a low $20 per month fee, you will receive, no minimum balance "Platinum Checking" interest bearing account with unlimited check writing, a supply of 150 free checks annually, unlimited free ATM transactions*, no fee standard American Express Travelers Checks, free Internet PC Banking with unlimited bill payment service plus a 1/4% discount on any fixed rate installment loans.

All it takes to get started is a low $100 opening balance. This checking account provides the maximum amount of flexibility in structuring your banking relationship. Maintain a total banking relationship with Hilltop Community Bank of $25,000 in deposits and all club services are absolutely free.

*The owner or operator of a non-Hilltop Community Bank ATM may assess a fee against your account for using its ATM. We will rebate up to $10.00 per month for these foreign ATM fees.

Student Checking
Off to college? Take your bank with you!
Day to day expenses and sudden emergencies make financial independence a struggle for college students. And "money from home" can mean a long wait at the mail-box and a run-around at the bank. That's why Hilltop Community created a financial package especially for college students - whether they live at home or away at school.

Convenient For Parents
When you need to put funds into your son's or daughter's account, simply stop by at one of our convenient branch offices or 24 Hour ATM machines.

When a Check Is Needed
When it comes to paying bills, there is no substitute for a checking account. Our low cost College Bound Checking account adds the convenience and security of check writing at a low monthly cost with no minimum balance requirements.

• $100.00 minimum deposit to open the account.
• No monthly minimum balance requirements.
• Monthly maintenance fee of $3.99.
• No charge for the first 8 checks written per month.
• Imaged checks are returned with monthly statement.

Easy Access to Funds
Your son or daughter can withdraw cash as needed at any STAR, NYCE, Cirrus or Plus automated teller machine located throughout the United States* using a MasterCard Hilltop CheckCard. The CheckCard can also be used anywhere where the MasterCard logo is displayed to make purchases. All purchases are deducted directly from your son or daughter's checking account, just like a check, but much more convenient.

No more need for additional ID, no checks to carry around and guaranteed to be accepted by any merchant displaying the MasterCard logo

*Other financial institutions or ATM providers may surcharge your use of their ATMs.

24 Hour Account Access
Bank when you want to, anytime of the day. Use our 24-Hour free PhoneBank or internet banking service to check your account balances, obtain rate information and transfer funds between Hilltop Community Bank accounts. All your transactions will appear on your monthly account statement.

Opening A Student Checking Account Is Easy

To open a Student Checking account simply stop by any Hilltop Community Bank branch office.  We'll even give you 50 free personalized checks to get started.  The combination of a MasterCard Hilltop CheckCard and a low cost checking account add up to unprecedented convenience. And it's a great way to help prepare college students for their future in the business world.

Add FREE* Online BillPay to your Online Internet Banking service to pay bills quickly, conveniently, and securely. Coupled with our MasterCard ATM/CheckCard, you may never need to write another check again, ever! *Inactive bill pay users will be assessed a $5.00 service fee for any calendar month where there is no bill payment activity.

Overdraft Protection (PRA)
This line of credit lets you write a loan just by writing a check against your personal checking account up to your pre-authorized limit - ranging from $500 to $5,000. It also protects you from the embarrassment, fees and inconvenience of accidental overdrafts.

CheckCard  

The Hilltop MasterCard Check Card is an ATM card with the MasterCard logo. Get cash, make deposits, check your balances and more at thousands of ATM locations worldwide, plus you can access your checking account to make everyday purchases at any location that displays the MASTERCARD logo.

The MasterCard Check Card is the perfect card to take along for your daily activities. You can use it to pay for lunch, shopping, gas or a night on the town. If you have enough money in your account, you can even use it to buy a car.

With every MasterCard Check Card purchase, you'll receive a signed receipt which you can then simply enter in your checkbook, just as you would a check or ATM receipt. A detailed record of every transaction will appear on your monthly checking account statement. Just about anywhere you would reach for your checkbook, you could be using a MasterCard Check Card.

24 HOUR PhoneBank Do your banking around the clock by phone! PhoneBank allows you to access your account information at any time, from any touch-tone phone. You will be able to make inquiries, loan payments, transfers, and other types of transactions between multiple accounts with one telephone call. This service is free. Simply call our toll free PhoneBank number at 1-877-856-1226 and follow the instructions.

Did your check clear?
You can obtain detailed information about your account by requesting either specific check numbers or a listing of the last 10 debits or credits.

What are the current rates?
You can use 24 Hour PhoneBank immediately to obtain interest rate information on savings accounts, CDs and loans.

Transfer money between Hilltop Community Bank accounts
Add money from your savings account to cover a check. Transfer funds from your checking account to make a loan payment. Whether you're out of town or just in a hurry, you can move money between your Hilltop accounts with the touch of your telephone keypad. Your PhoneBank transactions will appear on your regular account statements.

How do I use 24 Hour PhoneBank?
To enroll, simply dial our toll free number 1-877-856-1226 and follow the instructions. If you wish to take advantage of the funds transfer options offered by PhoneBank you can sign up at the bank or email us at: customerservice@hilltopcommunitybank.com

Once you're enrolled, you need only dial the telephone to access your accounts, transfer funds or obtain rate information.

STATEMENTS
Combined Banking Statements
One easy-to-read monthly statement shows all checking account, savings accounts and related account activity.

Imaged Checks
With our check imaging technology, copies of your cancelled checks are returned to you neatly sorted and printed in order. All your checks, deposits, and statements are three-hole punched and ready to store conveniently in a complimentary Hilltop Community Bank 3-ring binder.

Just think of all the extra room you'll have now! No more shoe boxes, no more overstuffed drawers full of old checks.

PERSONALIZED CHECKS
Custom imprinted checks, wallets and binders are available in a wide selection of colors and styles at a nominal cost.