Checking Accounts

 RegularMoney MarketPlusBusiness
Amount to Open$100$1,000$500$500
Balance to Maintain to Avoid Service Chargen/an/a$500n/a
Interestn/aInterest paid on balance with tiered rates for larger balanceSee current rate scheduleSee current rate schedule
Monthly Service Charge$7.00 if below minimum$5.00 if below minimum$10.00
Statementmonthlymonthlymonthlymonthly
Phone Bankingfreefreefreefree
Internet BankingAvailable, application requiredAvailable, application requiredAvailable, application requiredAvailable, application required
Debit / ATM CardsAvailable, application requiredAvailable, application requiredAvailable, application requiredAvailable, application required
Limitationsn/aLimited to 6 transactions per monthn/a$0.20 per item charge for deposits, checks and ACH

Regular Checking

Unlimited check writing
No minimum balance
$100.00 to open account

Money Market Account

$1,000.00 minimum to open
Interest paid on balance with tiered rates for larger balance
Limited to 6 transactions per month
$7.00 fee if balance falls below minimum

Interest-Bearing Checking

Plus Checking

Unlimited check writing
$500.00 minimum balance; $5.00/cycle fee if under minimum
$500.00 to open account; $500.00 minimum daily balance to earn interest
Interest paid in two tiers on average balances – $500-$25,000 and up

Business Checking

Minimum Deposit to open account $500
Competitive interest rate on any balance which can offset certain fees
Maintenance fee per month $10.00
$0.20 per item charge for deposits, checks and ACH

Health Savings Account

Unlimited check writing
$50.00 minimum to open
Competitive interest rate
$25.00 account setup fee with a $25.00 yearly service charge

All Accounts Can Receive Hometown Banking Benefits For An Additional $5.00 Per Month. Hometown Customers Receive The Following Services And Discounts:

  • Safety paper checks – no charge
  • All other checks – $10 off each box
  • License sticker fee waived
  • Cashier’s Checks and Money Orders are no charge
  • Medallion Signature Guarantee – $5 discount
  • Fax service and photocopies – no charge
  • Bonus rates on C.D.s
  • Preferred rates on installment loans with auto pay
  • Safe Deposit Box discount – $10 per year

Deposit Account Disclosures

  • If you close your account before interest is credited, you will not receive the accrued interest.
  • Your interest rate and APY may change at our discretion at any time.
  • Interest begins to accrue on the first business day after the banking day you deposit non-cash items.
  • Interest is compounded monthly and credited the last day of each statement cycle.