Personal Checking
Free Checking
– Minimum deposit to open is $100
– No per-check charges
– No monthly maintenance fee
– Each month, one deposit must be direct deposit
– First check order is FREE
Hometown Pride Checking
– Minimum deposit to open is $100
– No per-check charges
– First check order is FREE
– Monthly maintenance fee of $7.00
– A portion of the monthly maintenance fee is donated to hometown projects
Hometown Pride (50) Checking
– Minimum deposit to open is $100
– No per-check charges
– First check order is FREE
– No monthly maintenance fee
– Eligibility Requirement – At least one accountholder must be age fifty (50) or older.
NOW Checking
– Minimum deposit to open is $1,000
– If balance stays over $1,000 for entire monthly statement cycle-NO maintenance fee
– If balance falls below $1,000 on any day during the monthly statement cycle-the maintenance fee is $7.00 and a $.25 per debit charge is incurred
– Check printing charges vary depending on check style selected.
– For every day that your balance is $1,000 or more, you earn interest at the current APY for NOW Checking
Regular Checking
– Minimum deposit to open is $100
– No per-check charges
– If balance stays over $800 for entire monthly statement cycle-NO maintenance fee
– If balance falls below $800 on any day during the monthly statement cycle-the maintenance fee is $9.00
– No monthly maintenance fee for students. A student is someone 24 and younger attending school. Proof of enrollment may be required.
– Check printing charges vary depending on check style selected
Money Market Checking
– Minimum deposit to open is $2,500
– No per-check charges
– If balance stays over $2,500 for entire monthly statement cycle-NO maintenance fee
– If balance falls below $2,500 on any day during the monthly statement cycle-the maintenance fee is $7.00 and a $.25 per debit charge is incurred.
– Check printing charges vary depending on check style selected
– For every day that your balance is $2,500 or more, you earn interest at the current APY for Money Market Checking. Rates are tiered according to the ledger balance.
Health Savings Account Checking (HSA)
– When you buy a high-deductible insurance policy to cover major medical expenses, you need to set money aside in a Health Savings Account to pay for everyday health care costs. Money earned in a HSA accumulates tax-free, and whatever is withdrawn for qualified medical expenses is also tax-free.
*Overdraft fee may be imposed. The fee applies to overdrafts created by check, in-person withdrawals, ATM withdrawals or other electronic means, as applicable.
*(NSF) Non-Sufficient Funds Fees
As per your account agreement, we may charge you non-sufficient funds fees for each resubmission or representment of a debit item, which means you may incur multiple non-sufficient fund fees if a debit item is returned more than one time.