Highlands Bankshares Inc. (HBSI)

Overview

Highlands Bankshares, Inc., founded in 1984 and based in Petersburg, West Virginia, serves as the parent company of The Grant County Bank and Capon Valley Bank. These financial institutions offer a wide variety of banking services tailored for both individuals and businesses. The company’s mission is to support its customers by providing comprehensive financial products and services that facilitate personal and business goals. As a regional bank, Highlands Bankshares, Inc. leverages its local understanding and expertise to meet the unique needs of its community.

Products and Services

• Checking, Saving, and Club Accounts: Offers a range of account options to meet customer needs, including money market and Individual Retirement Accounts (IRAs).
• Insured Cash Sweep and CDARS: Provides services for customers interested in securing their large deposits while earning interest.
• Certificates of Deposit: Offers certificates of deposit as a low-risk investment option with fixed interest rates for customers looking to save for the future.
• Personal and Business Loans: Features a variety of loan products, including home mortgage and equity, land and lot, mobile home, auto, personal and business term, agriculture, equipment, and commercial real estate loans, alongside business lines of credit.
• Investment Checking: A service that combines the benefits of checking accounts with investment opportunities, facilitating better financial management.
• Debit and Credit Cards: Provides a range of card services, offering convenience and security for transactions.
• Kasasa Protect: Offers enhanced security features to protect customers’ accounts and identity through monitoring and restoration services.
• Automated Teller Machines (ATMs): Provides customers with 24/7 access to cash withdrawals and account services.
• Business Online Banking and Bill-Pay: Enables businesses to manage their finances conveniently online, including bill payments and account monitoring.
• Mobile and Telephone Banking: Offers convenient banking solutions on the go or via telephone, ensuring that customers have access to their accounts anytime, anywhere.
• Direct Deposits: Facilitates the electronic deposit of paychecks or benefits into customer accounts, providing faster and more secure access to funds.
• Merchant Cards: Provides businesses with the ability to process credit and debit card payments, enhancing customer service and sales.
• Remote Deposit Capture: Allows businesses to deposit checks electronically, saving time and improving cash flow.
• Bank-By-Mail: Offers a convenient option for customers to conduct banking transactions via mail.
• Certified and Cashier's Checks: Provides secure payment options for transactions requiring guaranteed funds.
• Foreign Currency Exchange: Offers currency exchange services for travelers and businesses involved in international transactions.
• Safe Deposit Box: Provides a secure location for customers to store valuable documents and items within the bank’s premises.
• Money Wire Transfer Services: Enables the fast and secure transfer of funds domestically or internationally.
• Life and Accident Coverage Insurance Products: Offers a range of insurance products to provide additional financial security for customers and their families.