If you write just a few checks per month (15 or less) and maintain an average collected monthly balance of $250.00, then our Regular Checking is for you. A minimum deposit of $50.00 will open this account. Should your average collected monthly balance drop below $250.00, a small maintenance fee of $4.00 ($2.00 with E-Statements) will be assessed as well as a per check fee of $.10 in excess of fifteen per statement cycle in which the account is subject to the maintenance fee. Upon request, this fee will be waived for full time students and customers age 55 and over (Hometown Protect & business accounts are not applicable). No interest will be paid on this account regardless of the balance.
Let your money earn interest for you with our NOW account. As an added benefit, this account allows you to enjoy unlimited check writing. A minimum deposit of $500.00 will open this account. A monthly maintenance fee of $6.50 is waived if you maintain a principal balance of $500.00.
Super NOW Checking**
If you carry a larger balance in your checking account and want to earn interest on those funds, then our Super NOW Account is for you. You can open this account with a minimum deposit of $2,500.00 and enjoy unlimited check writing. Simply by maintaining a principal balance of $2,500.00, you will avoid a monthly maintenance fee of $6.50.
If you are looking for a better rate than a regular savings but need easy access to your funds, then a Money Market may work for you. With a Money Market you can utilize a debit card or checks to access your funds. The minimum deposit to open this account is $2,500.00. Interest is compounded and credited monthly on a 3 tiered basis. You can call, stop in, or check the rates page for more detailed rate information. We may change the interest rate on your account at any time. There are no maximum or minimum interest rate limits for this account. You may only make 6 pre-authorized transfers (excluding internet banking) from this account each statement period. A minimum balance fee of $6.50 will be imposed every month if the daily balance in the account falls below $2,500.00 any day of the cycle. Failure to maintain the minimum daily balance requirement will affect the earnings potential for this type of account.
Annual Percentage Yield (APY) accurate as of 11/10/2022
* Annual Percentage Yield (fees could reduce yield)
**At our discretion, the interest rate and the annual percentage yield may change on these accounts at any time after account opening. We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the principal in the account each day. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirements. Falling below the minimum balance requirement will affect the earnings because of the $6.50 minimum balance fee. Maintenance fees will be waived for customers age 55 and over, upon request. (Business accounts are not applicable) Interest will be compounded monthly. Interest will be credited monthly. Interest begins to accrue on the business day you deposit non-cash items, (example checks). This account is subject to the bank's Funds Availability Policy excluding Money Market and Savings accounts.
This account is considered dormant after 365 days with no deposit or withdrawal activity. Any and all fees related with these accounts are only applicable if the minimum balance requirements are not met, excluding $10 fee for Hometown Protect Add on. This fee will be charged when the customer has opted in. A tiered rate structure applies to the Money Market account only.