Club Accounts

Our Club Accounts:

Feature	Hometown Bank Club	GEM Club Checking	Precious GEMs Savings / Kids Club
	Apply Now	Apply Now	Apply Now
Best For	Customers who want added checking account benefits for individuals or families	Customers age 50+ who want interest-bearing checking, travel opportunities, and club perks View upcoming events	Children age 12 or younger learning to save
Account Type	Add-on club that may be added to any checking account	Interest-bearing checking account with club benefits	Youth savings account and kids club
Monthly Cost / Fee	$7.50 + tax/month for individuals; $9.50 + tax/month for families	No monthly service charge if eligibility requirements are met; $15/month if combined balance does not qualify3	No monthly maintenance fee
Opening Deposit	$100 initial deposit	No minimum deposit	$5 initial deposit
Minimum Balance Requirement	No minimum balance requirement	No minimum balance requirement	No minimum balance required, but $100 daily balance is needed to earn interest
Earns Interest	Not Applicable	Yes, interest is paid and credited monthly	Yes, with a $100 daily minimum balance
Checks	Free personalized checks	Free personalized checks	Not Applicable
Debit / ATM Card Benefits	Debit card with no issue fee, renewal fee, or monthly fee	Debit card with no issue fee, renewal fee, or monthly fee	Not Applicable
Digital Banking Access	Free Bankline, Internet Banking, e-Statements, and Mobile Banking1	Free Bankline, Internet Banking, e-Statements, and Mobile Banking1	Not Applicable
Online Bill Pay	Included	Included	Not Applicable
Insurance Benefits	Includes AD&D and common carrier accidental death coverage2	Not Applicable	Not Applicable
Special Perks	Discounted Adventureland tickets and discounted personal money orders	Local events, day trips, and overnight travel opportunities	Special Kids Club events, birthday card, and a $5 bonus deposit after reaching a $25 balance
Eligibility Notes	Available to individuals or families	Must be age 50+ and meet relationship/balance requirements or pay a monthly fee	Children must have a parent or adult on the account
Consumer Accounts Only	Yes	Yes	Yes
FDIC Insured	Yes	Yes	Yes

¹ Mobile data and carrier charges may apply.

² Hometown Bank Club insurance benefits include $20,000 of 24-hour Accidental Death & Dismemberment insurance, plus $100,000 of coverage when traveling as a fare-paying passenger on a common carrier. Family coverage includes $30,000 of 24-hour AD&D insurance, $2,500 of coverage for each dependent child, and $100,000 of common carrier coverage. Coverage may vary for joint accounts and may reduce at ages 75 and 80. Refer to the Certificate of Insurance for complete details, limitations, and exclusions. Insurance products are not deposits, not FDIC insured, not insured by any federal government agency, and not guaranteed by the financial institution.

³ GEM Club eligibility requires a deposit and/or loan relationship with Farmers Savings Bank and a combined balance of $7,000 or more in checking, savings, certificates of deposit, or loans. Customers who do not meet the balance requirement may still join and receive benefits by paying a $15 monthly fee.