Highlands State Bank offers a range of commercial and business financial services. It provides ATMs and debit cards and telephone and Internet banking services. The bank offers bill payment, funds transfer and merchant services. Highlands State Bank also provides certificates of deposit, money market, savings, individual retirement, and personal and business checking accounts. It additionally offers home equity, auto, construction, bridge and commercial real estate loans. Highlands State Bank is a member of the Federal Deposit Insurance Corporation and Equal Housing Lender.