Hometown Checking

Hometown Reward Checking

Earn 4.01% APY Bonus rate* and Nationwide ATM Refunds** if requirements are met

Or 0.25% APY standard rate if requirements are not met

To earn the Bonus Rate, perform the following requirements each cycle:

• 10 Check Card Transactions
• One Direct Deposit or ACH Auto Debit
• Receive Electronic Statement

*4.01 Annual Percentage Yield (APY) paid on all daily balances $0-$70,000.00 and 1.35% APY* paid on daily balances $70,000.01 and above each cycle if the minimum requirements are met.  If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.25% APY, however it will not receive ATM refunds for that time period.  Rates as of May 29, 2008.  We may change the interest rate and APY for any or all of the tiers for this account at any time after the account is opened.  No minimum Balance Required.  However you must deposit a minimum of $100.00 to open this account.  Available to Personal Accounts only.  No monthly service charge.

**Free ATM Refunds up to $25.00 per cycle.  Include all transaction fees charged when using another bank’s ATM.  ATM fee refunds are automatic and receipts are not required to receive refunds

Hometown Advantage Checking

• You must deposit $100 to open this account.
• When you keep a $100 minimum balance, we will waive the monthly fee. If your balance falls below $100 any time during the monthly statement cycle, you will receive a $8.00 charge plus sales tax.
• Unlimited check writing and 50% discount on the cost of Hometown personalized checks.
• Earn interest on your checking account balances above $1000.
• $10,000 Accidental Death Insurance and $100,000 Commercial Carrier Insurance and many other features.

Hometown Select Checking

• Minimum opening deposit of $100 with a monthly fee of $5.00 plus sales tax.
• Monthly minimum balance NOT required; earn a preferred rate of interest on entire balance.
• Unlimited check writing and free Hometown personalized checks.
• Free basic safe deposit box for one year with half price thereafter.
• Earn ¼% bonus on certificates of deposit and receive ½% discount on all consumer, non-real estate loans.
• $20,000 Accidental Death Insurance and $100,000 Commercial Carrier Insurance and many other features.

Hometown Prestige Checking

• For customers 55 and older.
• Minimum opening deposit of $100 with a monthly fee of $2.50 plus sales tax.
• Receive all of the features of our Hometown Select Checking account at ½ the monthly account membership fee.

Back to the top

Savings Account

• Minimum opening deposit of $100.00.
• You may make 3 free withdrawals per month. $1.00 for each withdrawal over 3 during the month.

Christmas Club Account

• Minimum opening deposit of $10.00 with no monthly fees.
• Make periodic deposits to save for Christmas expenses.
• You will receive a check for the balance in the account plus interest on November 1st of each year.
• Sign up for a direct transfer weekly or monthly and receive an interest rate bonus.

Back to the top

Insured Money Market Account

• Minimum opening deposit of $2,500.
• Earn a high rate of interest while having immediate access to your funds. (With minimum balance of $2500.)
• Make up to six transfers a month (of which only 3 can be checks).
• Unlimited withdrawals in person or by telephone.

Back to the top