Embark on a Banking Odyssey with Highland Community Bank in Covington, VA

Nestled amidst the picturesque Allegheny Mountains, Covington, Virginia, proudly hosts Highland Community Bank, an esteemed financial institution committed to serving the local community with unwavering dedication.

A Heritage of Stability and Growth

Since its inception in 1987, Highland Community Bank has steadfastly stood as a beacon of financial strength and stability in Covington and surrounding areas. With over three decades of experience, the bank has witnessed and weathered economic fluctuations, proving its resilience and unwavering commitment to its customers.

Our Unwavering Commitment

Highland Community Bank is not just another financial institution; it is an integral part of the fabric of Covington. The bank's mission is to provide exceptional banking services while fostering the economic and social well-being of the community. Through its unwavering support of local businesses, organizations, and individuals, Highland Community Bank has played a pivotal role in shaping the vibrant and prosperous Covington we know today.

Comprehensive Banking Solutions

Highland Community Bank offers a comprehensive suite of banking solutions tailored to meet the diverse financial needs of Covington residents and businesses. Whether you are looking for everyday banking services, such as checking and savings accounts, or more specialized solutions, such as mortgages, business loans, or wealth management, Highland Community Bank has got you covered.

Personal Banking

• Checking and Savings Accounts: Enjoy convenient and flexible options to manage your daily finances.
• Money Market Accounts: Earn competitive interest rates on your short-term savings.
• Certificates of Deposit (CDs): Secure higher interest rates for a fixed term.
• Home Equity Loans and Lines of Credit: Access funds for home improvements, debt consolidation, or other financial needs using the equity in your property.
• Personal Loans: Borrow funds for personal expenses, such as auto purchases, education, or medical bills.
• Credit Cards: Enjoy the convenience of cashless transactions with competitive interest rates and rewards programs.

Business Banking

• Business Checking and Savings Accounts: Designed for businesses of all sizes, providing efficient cash management and interest-bearing options.
• Business Loans: Obtain capital for business expansion, equipment purchases, working capital, or other business needs.
• Business Lines of Credit: Access flexible financing to cover seasonal fluctuations or unexpected expenses.
• Commercial Real Estate Loans: Finance the purchase or construction of commercial properties.
• Merchant Services: Accept credit and debit card payments securely and efficiently.
• Cash Management Services: Optimize your cash flow with tailored solutions for businesses of all sizes.

Wealth Management

• Investment Management: Grow your wealth with personalized investment portfolios tailored to your financial goals.
• Trust Services: Protect and preserve your assets for future generations or for charitable purposes.
• Estate Planning: Ensure your wishes are fulfilled and your legacy is preserved.

Why Highland Community Bank Matters

Choosing the right bank is a critical decision that can significantly impact your financial well-being. Here's why Highland Community Bank stands out as the ideal banking partner for Covington residents and businesses:

• Local Ownership and Decision-Making: Decisions are made locally, ensuring that the bank's interests are aligned with the community's needs.
• Unwavering Support for the Community: Highland Community Bank actively supports local initiatives, organizations, and events, fostering the economic and social vitality of Covington.
• Exceptional Customer Service: The bank's friendly and knowledgeable staff is dedicated to providing personalized service and going the extra mile for customers.
• Competitive Rates and Fees: Highland Community Bank offers competitive interest rates and fees, ensuring that your money works harder for you.
• Technology-Driven Convenience: Enjoy seamless banking experiences with online and mobile banking services, allowing you to manage your finances on your terms.
• Commitment to Innovation: Highland Community Bank continuously explores new technologies and solutions to enhance customer experiences.

Benefits of Banking with Highland Community Bank

Partnering with Highland Community Bank offers a multitude of benefits that can empower your financial journey:

• Personalized Service: Access dedicated financial advisors who provide tailored solutions to meet your unique needs.
• Financial Stability: Rest assured that your funds are safe and secure with a financially sound institution.
• Convenience: Enjoy the convenience of multiple branches, ATMs, and online/mobile banking services.
• Community Involvement: By banking with Highland Community Bank, you contribute to the economic and social well-being of Covington.
• Local Expertise: Benefit from the expertise of local financial professionals who understand the unique challenges and opportunities in Covington.

Pros and Cons of Banking with Highland Community Bank

Like any financial institution, Highland Community Bank has its own set of advantages and disadvantages to consider:

Pros:

• Local ownership and decision-making
• Strong community involvement
• Excellent customer service
• Competitive rates and fees
• Commitment to innovation

Cons:

• May have fewer branches and ATMs compared to larger banks
• Some specialized financial products may not be available
• May not offer the same level of global reach as larger banks

Common Mistakes to Avoid

When choosing a bank, it's essential to avoid certain pitfalls that can hinder your financial success. Here are some common mistakes to be aware of:

• Not Comparing Fees and Interest Rates: Always compare interest rates and fees charged by different banks to ensure you are getting the best deal.
• Ignoring Customer Service: Choose a bank with a reputation for excellent customer service to avoid frustration and ensure your needs are met.
• Overlooking Local Involvement: Consider the bank's commitment to the community and its support of local businesses and organizations.
• Chasing the Highest Returns: While it's tempting to chase high interest rates, it's important to consider the risks associated with certain investments.
• Not Reading the Fine Print: Carefully review all account terms and conditions to avoid hidden fees or unexpected surprises.

Frequently Asked Questions

1. Is Highland Community Bank FDIC-insured?

Yes, Highland Community Bank is a member of the Federal Deposit Insurance Corporation (FDIC), ensuring that your deposits up to $250,000 are federally insured.

2. What is Highland Community Bank's routing number?

The routing number for Highland Community Bank is 053901867.

3. What are the hours of operation for Highland Community Bank branches?

Branch hours vary depending on location. Please refer to the bank's website for specific branch hours.

4. Does Highland Community Bank offer online and mobile banking?

Yes, Highland Community Bank offers convenient online and mobile banking services, allowing you to manage your finances anytime, anywhere.

5. What investment products does Highland Community Bank offer?

Highland Community Bank offers a range of investment products, including mutual funds, stocks, bonds, and annuities, to help you reach your financial goals.

6. How do I open an account with Highland Community Bank?

You can open an account with Highland Community Bank in person at any branch or online through the bank's website.

7. What is the minimum balance required for a checking account?

The minimum balance requirement for a checking account with Highland Community Bank varies depending on the account type. Please refer to the bank's website or contact a branch for specific details.

8. Does Highland Community Bank charge monthly maintenance fees?

Some checking accounts with Highland Community Bank may have monthly maintenance fees. However, these fees can be waived by meeting certain requirements, such as maintaining a minimum balance or setting up direct deposit.

Comparison Table: Highland Community Bank vs. Other Banks in Covington

Table of Interest Rates Offered by Highland Community Bank

Table of Fees Charged by Highland Community Bank

Conclusion

Highland Community Bank has emerged as the premier banking partner for Covington residents and businesses, offering a comprehensive suite of financial products and services coupled with unwavering commitment to the community. By prioritizing local ownership, customer service, innovation, and community involvement, Highland Community Bank empowers its customers to achieve financial success while contributing to the vitality of Covington.