Checking Accounts

Cash Back Checking

View our monthly qualification cycle calendar

Qualifications

To earn the above rewards simply do the following each Qualification Cycle:

  • Have at least 15 debit card transactions post and settle
  • Be enrolled and log into Online Banking
  • View e-Statements
  • Maintain a minimum daily balance of $0.01

*Minimum to open is $25.00. When monthly qualifications are met, you receive 3% cash back on debit card purchases up to $500.00 that post to and settle account during monthly qualification cycle up to a total cash back of $15 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Nationwide ATM fees incurred during qualification cycle will be reimbursed up to $20 (up to $4.99 per single transaction) if qualifications are met within monthly qualification cycle. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher. Fees may reduce earnings. Limit of two accounts per social security number.


Bonus Checking

  • 2.02% APY*
    • On balances up to $20,000 if qualifications are met
  • Earn 0.05% APY%
    • If qualifications are not met
  • Nationwide ATM fee refunds (up to $20)*
  • Free Online Banking
  • Free Mobile Banking (Mobile carrier data and messaging rates may apply)
  • Free e-Statements
  • Direct Deposit Available
  • FDIC Insured
  • Interest earned automatically transferred to a Bonus Savings Account

View our monthly qualification cycle calendar

Just do the following each monthly qualification cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled and log into online banking
  • Receive e-Statements
  • Minimum balance requirement of $0.01

*APY=Annual Percentage Yield. APYs accurate as of 05/16/2014. Rates may change after account is opened. Minimum to open is $25. If qualifications are met each monthly qualification cycle: (1) Nationwide ATM fees incurred during qualification cycle will be reimbursed up to $20 (up to $4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $20,000 receive APY of 2.02%; and (3) balances over $20,000 earn 0.20% interest rate on portion of balance over $20,000, resulting in 2.02% -.20% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM transactions do not count towards qualifying debit card transactions. Fees may reduce earnings. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher. Limit of two accounts per social security number.


Regular Checking

  • Initial deposit of $100.00 to open account.
  • A Maintenance Fee of $5.00 will be imposed every statement cycle
    if the balance in the account falls below $400.00 any day of the cycle.
  • If you maintain a minimum balance of $400.00 per statement cycle there is no maintenance fee.
  • Or, if you have five (5) checks/withdrawals or less per month and your minimum balance is between $1.00 and $399.99, then there will be no maintenance fee.

Student Checking

  • Initial deposit of $100.00 to open account.
  • No minimum balance.
  • 15 debits per month allowed at no additional charge.
  • $ 0.15 per item will be imposed for every debit over 15.

NOW Account

  • For individuals.
  • Initial deposit of $750.00 to open account.
  • Interest paid monthly.
  • Interest will be credited to your account every month.
  • A Maintenance fee of $7.50 will be imposed once every statement
    cycle if the balance in the account falls below $750.00 any day of the cycle.

Hometown Bank Club Checking Account

An individual will receive the following benefits for a low monthly fee of $7.50

  • Initial deposit of $100.00 to open account.
  • Free personalized club checks
  • Free accidental death insurance in the amount of $20,000.00
  • Unlimited check writing.
  • Identity Theft Resolution Services
  • Free personal money orders.
  • No issue fee or annual fee Debit/Atm card.
  • $100,000.00 common carrier accidental death insurance.
    and more.........

A family can have all of the above benefits for just $9.50 a month.


Hi-Fi Money Market Account

  • Initial deposit of $2,500.00.
  • Interest paid monthly.
  • Limit of six (6) debits per month (check, draft, or transfer).
  • A Maintenance fee of $7.50 will be imposed once every statement cycle
    if the balance in the account falls below $2,500.00 any day of the cycle.

E-Star Checking

  • Initial deposit of $100.00 to open account.
  • No monthly maintenance or debit fees.
  • No minimum monthly balance.
  • Unlimited check writing.
  • E-statement only (enrollment in internet banking required for e-statement).

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