1ST Access Debit Card

Teach your kids the fundamentals of spending, saving and earning money under your parental controls.

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Banking at your fingertips

Whether it’s for your personal or business accounts, Hickory Point Bank has an app to make your life easier.


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Send. Receive. Split.

Zelle® makes sending money to your friends, family and others you know fast, safe and easy.

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Online Account Opening

Banking has never been easier, open an eligible account today.

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Invest in your interests first

Visit with a trusted professional to get started.

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Your Card. Your Control.

Start managing your card in our convenient app today.

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How Did We Do?

Hickory Point Bank is dedicated to providing you with the best banking experience possible and your feedback is incredibly valuable to us. Please take a moment to share your thoughts by completing our brief survey.

Whether you’re seeking a stable rate for an extended period, aiming to build a financial cushion for unforeseen circumstances, or looking to earn interest while maintaining convenient access to your funds, Hickory Point Bank provides a diverse range of options to support you in realizing your financial goals. Whether it’s for your personal or business account, we offer a multitude of choices tailored to meet your specific needs.

If your preference leans towards debit cards or cash transactions, our checking accounts stand out as the optimal choice for you. With our checking accounts, you gain the flexibility to bank at your convenience, anytime and anywhere, thanks to our comprehensive online banking features and the accessibility of numerous convenient ATM locations.

Hickory Point Bank & Trust presents an extensive selection of cards featuring diverse cash, merchandising, or travel rewards. Find the credit card that aligns with your preferences, as our cards come with a myriad of advantages, including low rates, flexibility, and immediate purchasing capability.

“Whether you’re envisioning home improvements, consolidating debts, or acquiring a new car, at Hickory Point Bank & Trust, we customize your loan with competitive rates. Our streamlined application process is designed to be hassle-free, with our dedicated support guiding you through every step. Whether it’s a home loan, personal loan, business loan, car loan, or any other lending need, we’re here to expertly navigate you through the entire process.

 

Home Loan or Time to Refinance?

We make the application and closing process easy, supporting and guiding you every step of the way. We have the flexibility to tailor a loan to your needs with competitive rates. Whether you’re a first-time home buyer or looking to refinance an existing loan, our professionally trained staff of Mortgage Advisors is ready to help.

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Starting or Expanding a Business?

Hickory Point Bank offers flexible lines of credit and competitive term loans to support your business needs. Serving businesses in central Illinois, our experienced commercial team with a proven balance sheet has originated over $1 billion in commercial credit commitments since 2001.

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LOCAL

When you bank at a local bank, you can feel the difference.

EXPERIENCED

Our team’s experience is second to none.

INVESTED

Committed to central Illinois, its people, and businesses.

Live Chat


Hi, I’m Penny! How can I help?
Real answers from real people
during operating hours.

Please keep in mind I’m available to chat:

Monday-Friday: 8:00 am – 5:00 pm
Saturday: 8:00 am – 12:00 pm

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Go Digital

Stay on top of your finances faster, easier, and safer with Paperless Statements.

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Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S.

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Bank outside the lines with Hickory Point Bank Mobile Deposit. Snap, send – the end.

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Why Choose Us?

I think it’s incredibly important for Decatur to have a local bank because local businesses want to deal with local banks. We want to be able to go see our banker, we want our banker to be a call away, and also we want our bank to be involved in our community.

Heinkel's Packing Co. Inc.

Wes Heinkel

Whenever we walk into any of the Hickory Point Bank locations, they always greet us with a smile and our names. That’s what I love most about Hickory Point Bank. They know who we are, what we want, and they’re always willing to help.

Community Member

Carissa Koester

To be a true community bank, the owners have to be local in nature. There’s only one bank in Decatur that’s a locally owned bank and that’s Hickory Point Bank & Trust.

Chairman, Hickory Point Bank & Trust

Douglas J. Schmalz

Banking Done Right

Things we do well that make us stand out.

Invest in the Community

When we say we’re ‘invested,’ it means commitment to Central Illinois, its people, and businesses. We’re dedicated to helping this area grow and thrive. Our investment in Central Illinois is an investment in our future—and yours.

Community Investment

Build Relationships

We’re a local bank and we’re proud to call Central Illinois home. It’s that pride that shapes us and influences the way we interact with our customers, businesses and communities. Questions? We are here to help, and we mean that literally.

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Develop Talent

Our team is best-in-class. We strive to work with the greatest people, create the greatest culture, and inspire the best in banking. Click here to explore opportunities on our careers website to join our experienced team.

Join Our Team