Houghton State Bank Online Banking Login

Houghton State Bank provides personal and business banking services. The bank was established in 1879 and is headquartered in Red Oak, Iowa.

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Houghton State Bank’s Online Banking service allows its users access and manage their accounts from the convenience of their homes. Online banking is secure, convenient and free to all users. If you have a personal checking or savings account in the bank, consider the guide below on how to enroll, log in and even reset your forgotten password in order to access online banking service.


Online banking users can only access the service after providing their login credentials. To login, follow steps outlined below:

Step 1 – Click this link https://www.houghtonstatebank.com/ to access the Houghton State Bank website

Step 2- In the homepage, enter your User ID, then click LOG IN

Step 3- Provide your password, then click SUBMIT 

After verifying your credentials, the system will allow you to proceed to your online banking account.


For you to reset/recover your forgotten online banking credentials, you must verify your identity by providing. Please follow the steps shown below to recover your credentials:

Step 1- In the homepage, click Forgot ID/Password link

Step 2- Provide the requested details, then click Submit 


The system after validating your identity, it will take you through the remaining steps of resetting or recovering your login credentials.


Houghton State Bank customers with a personal checking or savings account can easily enroll for the bank’s online banking service through the steps outlined below:

Step 1- In the homepage, click Enroll button then choose Personal Enrollment link

Step 2- Provide the requested information, then click CONTINUE so that the system can verify your identity and securely enroll you in Online Banking

The online systems will first verify your details and take you through the remaining enrollment steps.


With Houghton State Bank online banking service, you can

  • Access your account from any Internet connection, at any time
  • Check account balances, transfer funds, view statements, and pay bills
  • Pay off balances or set up automatic payments
  • Receive account-activity alerts
  • Download account information and activity to Quicken®, QuickBooks® or Microsoft Money®

Federal Holiday Schedule for 2023 & 2024

These are the federal holidays of which the Federal Reserve Bank is closed.
Houghton State Bank and other financial institutes are closed on the same holidays.

Holiday 2023 2024
New Year's Day January 2 January 1
Martin Luther King Day January 16 January 15
Presidents Day February 20 February 19
Memorial Day May 29 May 27
Juneteenth Independence Day June 19 June 19
Independence Day July 4 July 4
Labor Day September 4 September 2
Columbus Day October 9 October 14
Veterans Day November 10 November 11
Thanksgiving Day November 23 November 28
Christmas Day December 25 December 25

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