External Transfers Terms And Conditions Explore secure External Transfers with Hillcrest Bank. PLEASE READ THIS AGREEMENT CAREFULLY BEFORE REGISTERING FOR THIS SERVICE External Transfers Terms and Conditions Effective 11/2/2016 Please carefully review the following Terms and Conditions governing Hillcrest Bank's External Transfers service. By utilizing External Transfers, you agree to the terms and conditions presented in this agreement, along with other applicable agreements. This service allows you to send payments via the ACH network to accounts held at financial institutions other than Hillcrest Bank. Download Terms and Conditions