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The Difference When Choosing Highlands Community Bank

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Life is full of changes. Right here in the Alleghany Highlands community, we’ve seen lots of change in the last couple of years as folks have been navigating through the aftermath of the pandemic. In addition to small businesses, we’ve noticed that many big banks have been closing up shop in the Highlands area. Without bank branches being easily accessible, many have been left wondering what to do.

These days, there are tons of options available which may bring hope to those who are looking for a new bank or banking option, but it may also cause stress. However, there’s no need to worry. As your neighbors and community bank, we’re here to walk you through a few choices and the benefits of them all!

Our Doors Are Always Open

You can always count on Highlands Community Bank, no matter what. The passion for serving the wonderful people in this community is ingrained deep within all of our staff members’ hearts and our values. We do everything we can to serve the greater good, by providing free financial education and offering services that were designed with our customer’s best interests in mind. Since our bank was founded in 2002, we’ve become the leader in market share and enhanced shareholder value thanks to our team and their greater understanding of the local community. At our bank, you’ll find a wide range of loan products, deposit products, savings, and investment accounts for business and personal use, and more!

Our goal is to make banking as easy as it can be, with a side of competitive rates and low service fees. One of the ways we make that possible is by being available 24/7. Not only can you call us on our mainline any time you need to discuss your banking needs, but we have three branches spread across the Alleghany Highlands. Convenience is truly our love language! If you ever have any questions or concerns, you can drop by our Covington, Hot Springs, or Clifton Forge locations. From our first interaction with customers, they are treated like a part of our family. We are always happy to welcome folks in to help them as best as we can.

Safe Banking On the Go With Mobile Banking

In recent years, more banks have begun to offer mobile banking — including yours truly! With a commitment to delivering top-notch support whenever and wherever you go, we felt the need to incorporate digital banking products that continue to deliver a positive, personalized experience for all of our banking customers. No matter if you’re at home or in another time zone, we’ll only be a few taps away. You can conveniently access your finances and take advantage of many of the services you would receive in our local Highlands Community Bank branches. We pride ourselves on being a bank that you trust, so it’s only right that our online and mobile banking options are safe to use. To prevent fraudulent activity and improve your experience as a Highlands customer, we offer security features for all of our account holders like the ability to set spending limits or turn your card off completely. If we have any suspicion about activity on your account(s) with us, you’ll receive real-time alerts on transactions.

Now with the rise of digital banking, it may be tempting to opt for one of the online-only banking giants. A major draw of online-only banks is that they tend to offer fewer or lower fees and accounts with higher APYs because of the lack of overhead. Plus, relying on their virtual presence, these financial technology companies tend to offer customers a better online experience. However, banking with online-only companies has its share of disadvantages as well. For instance, some of these direct banking companies may not offer all the comprehensive financial services that traditional banks offer, such as individual retirement accounts and notarization services. Depositing funds and making certain types of transactions can be more of a hassle — or even impossible with some companies.

Additionally, with online-only banks, you aren’t able to form personal relationships with that bank. That may seem somewhat unnecessary, but it pays to have people in your corner. Building a rapport with the staff at a brick-and-mortar bank branch can be an advantage in times when you need additional financial services or need to make changes to your account terms. We highly recommend banking with a financial institution that offers both physical locations and online banking!

The Difference with Highlands Community Bank

As we’ve expressed before, Highlands Community Bank puts our customers’ needs and financial security first! Even if your phone is ever lost or stolen, your personal information is always protected. With the HCB mobile banking app, you have total control at your fingertips. Our team will always have your back! You can put your worries aside and experience banking the way it should be. Give us a call or stop by a branch near you today! We’d love to learn how we can help you.

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