Personal Banking - Checking Accounts

Hometown Checking

* Minimum balance to open is $100.00. Must maintain a balance of $700.00 to avoid a $7.00 service charge. Students age 22 and under are exempt from service charge.

Hometown Interest Checking (NOW)

* Minimum balance to open is $100.00. Interest paid on balances of $1,500.00 or greater. If the balance falls below $1,500.00 the interest is lost for the days below $1,500.00. If the balance falls below $700.00 there is a $7.00 service charge.

Hometown Banclub Account

* Minimum balance to open is $100.00. Basic Plan - $8.00, Personal Plan - $9.00, Family Plan - $10.00. Monthly membership includes free custom personalized checks, no minimum balance, accidental death insurance, no additional fee for traveler's checks, and three (3) cashier's checks a month, $3.00 credit on Safe Deposit Box rental, and free notary service. Interest checking options available.

Free Checking

*Minimum balance to open is $100.00. No monthly service charge. No minimum balance requirements and unlimited check writing. Customer will pay for check orders. Statements are truncated (no check images). Internet banking is encouraged.

Rewards 55 Checking

*Minimum balance to open is $100.00. Must be age 55 or over to qualify. If you maintain a balance of $300.00 or greater, you will avoid the $5.00 service charge. Interest will be paid on daily balances of $1,500.00 or more. First check order is free.

Direct Deposit Limited Checking

*No minimum daily balance. This account is for customers who want their checks direct deposited but do not want a regular checking account. There is a $7.00 monthly service charge.

Money Market Deposit Account

*Minimum balance to open is $2,500.00. Withdrawals are limited to six (6) per month. No more than three (3) of these can be by check draft, debit card or similar order made by the depositor and payable to a third party. The interest rate is variable and subject to change at any time. If the balance falls below $2,500.00 the interest is lost for the number of days below $2,500.00. If the balance falls below $700.00 there is a $7.00 service charge. Interest is accrued daily.

Free Bonus Checking

*With our Bonus Checking you could be eligible to earn 5.00% APY on balances up to $25,000 and 1.00% APY on your balances over $25,000, plus be refunded foreign ATM fees, all by meeting these simple qualifications. Make 12 debit Card purchases per statement cycle, set-up one direct deposit or automatic payment, and enroll and receive electronic statements. If you do not meet the qualifications per cycle, your account will still function as a checking account and will earn 0.25% APY on all balances.
NO MINIMUM BALANCE, and Free Online Billpay. $100 deposit required to open account.

*Please contact a Customer Service Representative for interest bearing accounts rate quotes, or any other questions regarding the above accounts.