Hillbilly Bank takes a lighthearted and humorous approach to banking. But don’t be fooled by its quirky website—the bank is a legitimate financial institution that offers some of the best rates on checking and money market accounts available today.

Redneck Bank is the online banking division of All America Bank, a community bank founded in 1969 and headquartered in Mustang City, Oklahoma

All rates and fees are as of August 28, 2023 and are subject to change.

redneck bank product

Currently, Hillbilly Bank offers only two types of accounts: a no-fee checking account and a high-yield money market account. The entire account opening process takes 7-10 business days, depending on how the account is funded.

check account

This account comes with a free MasterCard debit card, overdraft protection, and more. Redneck Bank also refunds up to $25 in foreign ATM fees per monthly statement cycle.

  • reward checking account
    • Annualized annual interest rate:
      • Balance up to $15,000: 5.30%
      • Balances over $15,000: 0.50%
    • Minimum opening deposit: $500
    • Minimum Balance: not any
    • cost:
      • Monthly Fee: not any
      • Overdraft Fees: $25

money market account

The account also comes with a free MasterCard debit card and access to thousands of free ATMs around the world. Account holders can make up to six free debits per month.

  • large money market
    • Annualized annual interest rate:
      • Balance up to $100,000: 5.05%
      • Balance over $100,000: 0.50%
    • Minimum opening deposit: $500
    • Minimum Balance: not any
    • cost:
      • Monthly Fee: not any
      • Excess debit fee: $5 each for more than six transactions per month

Hillbilly Bank Savings Rates Compared to Current Top Rates*

Redneck Bank Platform and Customer Support

Redneck Bank offers online banking services that allow customers to manage their accounts from anywhere. The bank also offers a free mobile app, which has a 3.8-star rating on the Apple Store and 2.8 stars on Google Play.

If you have questions or concerns, you may contact Customer Service at (888) 210-1256. Delegates are available Monday through Friday, 8:00 am to 5:00 pm Central Time. You can also use the secure messaging feature by logging into your online banking account.

Pros and Cons of Hillbilly Bank

If you are considering online banking with Redneck Bank, make sure you first understand its main advantages and disadvantages.


  • very competitive interest rates
  • ATM machine fee reimbursement
  • no monthly fee


  • Limited Account Services
  • Minimum deposit to open an account is $500
  • no physical location

frequently asked questions

Is Hillbilly Bank a real bank?

Yes, Redneck Bank is a real bank and the online division of All America Bank. Accounts at Redneck Bank are FDIC insured up to $250,000 per depositor.

What is the minimum balance at Hillbilly Bank?

Hillbilly Bank has no minimum balance requirements for its accounts. However, you need to make a deposit of at least $500 to open an account.

Where is Country Bank’s headquarters?

Hillbilly Bank is headquartered in Mustang, Oklahoma.


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