Personal Checking Accounts
| Accounts & Features | Regular Checking | Hometown Checking I | Hometown Checking II | Hometown Checking III | NOW Checking | Super NOW Checking |
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| Minimum Balance to Open | $100 | $100 | $100 | $100 | $1500 | $2500 |
| Earns Interest* |
No, If balance is maintained |
No, If balance is maintained |
Yes |
Yes |
Yes |
Yes |
| Monthly Service Charge |  |
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| Unlimited Check Writing | |
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| Debit Card Available | |
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| Accidental Death & Dismemberment Insurance | |
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| Safe Deposit Box Discount | |
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| Free Cashier’s Checks & Traveler’s Checks | |
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| Free Box of Checks | |
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*See below for specific features regarding charges, discounts, restrictions, etc.
*Interest bearing checking accounts calculate interest by using the daily collected balance method.
*Interest is paid by compounding the account on the statement cycle date.
*Certain Fees may apply.
Regular Checking
- $100 minimum opening balance
- Waived for students (under age 24)
- No monthly service charge if average collected balance is $300 or more; otherwise $6 per month
- Waived for students (under age 24)
- Waived for seniors (65 and over)
- Debit card available
- Unlimited check writing
- Bill pay capabilities
Hometown Checking I
- $100 minimum opening balance
- No monthly service charge if daily balance is $100 or more; otherwise $7.50 per month
- Interest earned on daily collected balances exceeding $1,000; paid monthly
- Debit card available
- Unlimited check writing
- One (1) free box of Hometown Checking style checks
- Free Traveler’s Checks and Cashier’s Checks
- 10% discount on annual safe deposit box rent
- Unlimited check writing
- Bill pay capabilities
Hometown Checking II
- $100 minimum opening balance
- $10,000 Accidental Death and Dismemberment Policy for a low monthly fee**
- $6.00 for single owner coverage
- $7.50 for joint owner coverage
- Interest earned on daily collected balances exceeding $1,000; paid monthly
- 25% discount on annual safe deposit box rent
- Debit card available
- 50% discount on annual fee
- Four (4) free boxes of Hometown Checking style checks per year
- Bill pay capabilities
**Insurance is provided by a well respected A++ rated national insurance company through Financial Institution Benefit Association. Customer insurance coverage is divided equally on joint accounts.
Hometown Checking III
- $100 minimum opening balance
- $30,000 Accidental Death and Dismemberment Policy for a low monthly fee**
- $8.00 for single owner coverage
- $9.50 for joint owner coverage
- Family Plan Protection for $2.00 extra per month ($1,500 coverage for each dependent child)
- Interest earned on daily collected balances exceeding $1,000; paid monthly
- 25% discount on annual safe deposit box rent
- Debit card available
- 50% discount on annual fee
- Four (4) free boxes of Hometown Checking style checks per year
- Unlimited check writing
- Bill pay capabilities
**Insurance is provided by a well respected A++ rated national insurance company through Financial Institution Benefit Association. Customer insurance coverage is divided equally on joint accounts.
NOW Checking
- $1,500 minimum opening balance
- Interest earned on daily collected balances exceeding $1,500; paid monthly
- $2 monthly service charge; if balance falls below $1,500 an additional $6 monthly service charge applies with no interest paid
- Debit card available
- Unlimited check writing
- Bill pay capabilities
- Only available to individuals, sole proprietorships, public funds and non-profit organizations eligible for tax exemption under the IRS code
Super NOW Checking
- $2,500 minimum opening balance
- Interest earned on daily collected balances exceeding $2,500; paid monthly
- $0.15 activity charge per debit
- No monthly service charge if average collected daily balance is $2,500 or more; otherwise $8 per month with no interest paid
- Debit card available
- Unlimited check writing
- Bill pay capabilities
- Only available to individuals, sole proprietorships, public funds and non-profit organizations eligible for tax exemption under the IRS code
For more information including rates or to open an account, stop by our locations or call.
*There are documentation requirements that must be met to open an account.
