Checking Accounts

Find a checking solution to meet your needs. Our friendly and knowledgeable staff would be happy to help you find the checking account that best suits your needs.


Hometown Protect Checking+

Hometown Protect checking offers a package of bank services including:
Debit Card  -------------------------------------- Included
Cash Advance or Withdrawal---------------- Included
Debit Card/PIN Replacement------------------  $25.00

  •  Monthly Service Charge of $10.00
  • No Minimum Balance to Maintain
  • Unlimited Check Writing
  • 1 box of Free Wallet Style Personalized Checks (Only Available in Blue) per order. Duplicate Style Personalized Checks Available at a Low Cost.
  • Free Cashier's Checks, Money Orders

You receive all of the above benefits for a low monthly service charge of $10.00. A minimum deposit of $50 will open this account and get you on your way to hassle-free checking. No interest will be paid on this account regardless of the balance.

Regular Checking+

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 daily balance drop below $250.00, a monthly service charge 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 service charge may be waived for full time students  (Hometown Protect and business accounts are not applicable). No interest will be paid on this account regardless of the balance.

NOW Checking**+

Let your money work for you! With our NOW Account you can earn interest. As an added benefit, this account allows you to enjoy unlimited check writing. A minimum deposit of $500 will open this account. A monthly service charge of $6.50 is waived if you maintain a balance of $500.

 Minimum BalanceMonthly ChargeInterest Rate/APY*

$0 - $499.99

$6.50 

0.50 / 0.50% APY*

$500.00 & Above

No Charge

0.50 / 0.50% APY*

Super NOW Checking**+

If you carry larger balances 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 and enjoy unlimited check writing. Simply by maintaining a balance of $2,500, you will avoid a monthly service charge of $6.50.

 Minimum BalanceMonthly ChargeInterest Rate/APY*

$0 - $2,499.99

$6.50 

0.50 / 0.50% APY*

$2,500.00 & Above

No Charge

0.50 / 0.50% APY*

Money Market**

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. A monthly service charge 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.

 Minimum BalanceMonthly ChargeInterest Rate/APY*

$0 - $2,499.99

$6.50 

0.50 / 0.5 % APY*

$2,500.00 - $24,999.99

No Charge

0.50 / 0.50% APY*

$25,000.00 - $49,999.99

No Charge 

0.65 / 0.65% APY*

$50,000.00 & Above

No Charge 

1.40 / 1.40% APY*

Annual Percentage Yield (APY) accurate as of 04/13/2023

* Annual Percentage Yield (fees could reduce earnings on the account)

**Please contact our financial institution for current rates and annual percentage yields. At our discretion, the interest rate and the annual percentage yield may change on this account at any time. We use the daily balance method to calculate the interest on your account. The daily balance method applies a daily periodic rate to the balance 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 requirement. Falling below the minimum balance requirement will affect the earnings because of the $6.50 monthly service charge.

+This account is subject to the bank’s Funds Availability Policy, provided in this pamphlet (this excludes Money Market and Savings accounts). 

Checking and savings accounts are considered dormant after 365 days with no deposit or withdrawal activity. Any and all fees related to these accounts are only applicable if the minimum balance requirements are not met. A tiered rate structure applies to the Money Market account only.

View Electronic Funds Transfer Disclosure View Funds Availability

 

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