Checking Accounts

 RegularFreedomAdvantage55 on the GoMoney Market
Amount to Open$100n/an/a$100$2,500
Balance to Maintain to Avoid Service Charge$250na/$500$100$2,500
Interestn/an/aSee current rate scheduleSee current rate scheduleSee current rate schedule
Monthly Service Charge$5.00 if below minimumn/a$5.00 if below minimum$2.00 if below minimum$10.00 if below minimum
Statementmonthlymonthlymonthlymonthlymonthly
Phone Bankingfreefreefreefreefree
Internet BankingAvailable, application requiredAvailable, application requiredAvailable, application requiredAvailable, application requiredAvailable, application required
Debit / ATM CardsAvailable, application requiredAvailable, application requiredAvailable, application requiredAvailable, application requiredn/a
Limitationsn/aInternet Banking requiredn/aMust be 55 years or older to qualifyLimited to 6 transactions per month

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

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
  • Medallion Signature Guarantee – $5 discount
  • Fax service and photocopies – no charge
  • Bonus rates on C.D.s
  • Preferred rates on installment loans with auto pay
  • 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.