Regular | Freedom | Advantage | 55 on the Go | Money Market | Student Plus | |
---|---|---|---|---|---|---|
Amount to Open | $100 | n/a | n/a | $100 | $2,500 | $50 |
Internet Banking | Available, application required | Available, application required | Available, application required | Available, application required | Available, application required | Available, application required |
Debit / ATM Cards | Available, application required | Available, application required | Available, application required | Available, application required | n/a | Available, application required |
Mobile Banking | free | free | free | free | free | free |
Statement | monthly | monthly | monthly | monthly | monthly | monthly |
Balance to Maintain to Avoid Service Charge | $250 | n/a | $500 | $100 | $2,500 | n/a |
Monthly Service Charge | $5.00 if below minimum | n/a | $5.00 if below minimum | $2.00 if below minimum | $10.00 if below minimum | n/a |
Limitations | n/a | Internet Banking required | n/a | Must be 55 years or older to qualify | Limited to 6 transactions per month | n/a |
Interest | n/a | n/a | See current rate schedule | See current rate schedule | See current rate schedule | See current rate schedule |
Regular Checking
Unlimited check writing
No service with a minimum balance of $250
Only $5.00 monthly charge if minimum balance falls below $250 (waived for student accounts)
Minimum balance to open account $100
Available as a Business or Personal Account
Freedom Checking
Unlimited check writing
No minimum balance required
Internet Banking required
Freedom Savings account with a premium interest rate is available. (subject to passbook savings terms below)
Advantage Checking
Competitive interest rate
Unlimited check writing
Minimum balance to open account $100
No monthly service charge with a minimum balance of $500.00
Monthly service charge of $5.00 if minimum falls below $500.00
Available as a Business or Personal Account
Student Plus
Competitive interest rate
E-Statements Required
No minimum balance
Free Internet/Mobile Banking
Available to customers 16-23 years of age
55 on the Go
Competitive interest rate
Unlimited check writing
No monthly service charge with a minimum balance of $100.00
Monthly service charge of $2.00 if minimum falls below $100.00
Available to customers 55 years of age and older
Hometown Banking Benefits package below at no charge
Health Savings Accounts
Competitive interest rate
Unlimited check writing
Minimum balance to open $50
$25 account set up fee with a $2 monthly service charge
Money Market
Interest paid on balance with tiered rates for larger balances
Third party checks are limited to 6 per month
No monthly service charge with a minimum balance of $2,500
Monthly service charge of $10 if minimum falls below $2,500
Minimum balance to open account $2,500
All Accounts Can Receive Hometown Banking Benefits For An Additional $5.00 Per Month. Hometown Customers Receive The Following Services And Discounts:
- Safety paper checks – no charge
- All other checks – $10 off each box
- License sticker fee waived
- Cashier’s Checks and Money Orders are no charge
- Fax service and photocopies – no charge
- Bonus rates on C.D.s
- Safe Deposit Box discount – $10 per year
Deposit Account Disclosures
- If you close your account before interest is credited, you will not receive the accrued interest.
- Your interest rate and APY may change at our discretion at any time.
- Interest begins to accrue on the first business day after the banking day you deposit non-cash items.
- Interest is compounded monthly and credited the last day of each statement cycle.