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Checking Accounts

The current standard maximum deposit insurance amount is $250,000. The FDIC insurance coverage limit applies per depositor, per insured depository institution for each account ownership category. Consumers and bankers can find additional official information regarding FDICís deposit insurance coverage through the use of the FDICís Electronic Deposit Insurance Estimator (EDIE) and deposit insurance publications located on the FDICís website "Are My Deposits Insured?"


No minimum balance requirement to open or maintain your Totally Free Checking account. Receive your first order of Guardian® Safety Paper personalized checks FREE with a Direct Deposit sign-up.


Our basic checking account. A $50.00 minimum deposit is required to open this account. Maintain a $300.00 minimum balance and you avoid service charges! There is a $5.00 service charge if you balance falls below $300.00 during any day of the statement cycle.


Better than FREE Checking is here at your hometown bank. Receive special member benefits along with discounts on bank products and services. Plus, you will receive your first order of 200 wallet blue checks FREE of charge! A $50.00 minimum deposit is required to open this account. Maintain a $100.00 minimum balance and you avoid service charges. There is a $7.00 service charge if your balance falls below $100.00 during any day of the statement cycle. *This account also pays interest if you maintain an average daily balance of $500.00. Call or stop by to find out all the benefits you will receive as a member of Hometown Advantage.


All the benefits of Hometown Advantage and more! No minimum balance is required after opening the account. Earn interest. Receive personalized wallet blue checks FREE each time your order. And, you will receive discounts on loan products, free insurance and more! All for a monthly Membership Fee of $5.00 per month. A $50.00 minimum deposit is required to open this account. Call or stop by to find out all the benefits you will receive as a member of Hometown Advantage Plus.


All the benefits of Hometown Advantage + (described above). Applicants for membership must be at least 50 years of age to qualify. The membership fee is only a $4.00 per month! Call or stop by for more details on your benefit package.


"It's Great to be 50!" Why? FREE Wallet blue checks, free cashier's checks, free copy service and more. This account also earns interest. Free seminars are also available to Advantage 50 members. Plus, you are invited to go on our great hosted tours and trips (at cost) coordinated by your hometown bank!

A $50.00 minimum deposit is required to open this account. Maintain a $300.00 balance and you avoid service charge. $5.00 service charge if balance falls below $300.00 any day of the statement cycle.
NOTE: Traveler's Checks are no longer available, however, the NEW Travel Cards are available for purchase.


(Negotiable Order of Withdrawal) ≠ A $50.00 minimum is required to open this account. A $500.00 minimum balance avoids service charges. A $5.00 service charge applies if the balance falls below $500.00 during any day of the statement cycle. Earn interest by maintaining a minimum average daily balance of $500.00. Some Eligibility requirements apply.

Money Market
A great way to save but with the convenience of a checking account! A $2,500.00 minimum deposit is required to open this account and earn the Money Market rate of interest. If the account falls below $2,500.00, you will earn NOW Account interest rate. You must maintain a $500.00 minimum balance to avoid a monthly service charge. Check writing and transaction limitations apply. Contact one of our friendly, knowledgeable staff to inquire about current rates and additional details.


Are you responsible for an estate? This account can help you manage and maintain your records accordingly. Receive an estate check book and deposit tickets at no additional charge. A $50.00 minimum deposit is required to open the account. You must present copies of the death certificate and qualification for the estate to open an Estate Account.
 

Business Checking Accounts

Business Account
Whether you have a small or large business, our business account is right for you. A low minimum deposit is required to open the account and there is no service charge if a $1,000.00 balance is maintained. Plus, receive a bank zipper bag for transporting cash at no charge. Night deposit bags are available for a minimal fee. Other fees may apply for non-sufficient funds, return items, stop payments, etc.. Call or stop by for more details.

Hometown Business Connection
Talk about advantages! Here's a way to benefit your business and benefit your employees at the same time! Just click here to go to the Hometown Business Connection page!

Other Checking Account Services

Cashiers Checks
When a personal check is not accepted, Cashiers Checks are a great medium of exchange. The check has already been paid for at the bank so the person accepting the check knows it's a good check.

On-line Banking Transfers
Our On-line Banking customers can conveniently transfer between their accounts, any time, day or night! Sign up for the convenience of On-line Banking and On-line Bill Pay.

Automatic Transfer
A great way to save money every payday. We can set up your account to automatically transfer money to another account as often as you prefer. Call us for more details on how the set up automatic transfer.

Wire Transfer
A safe way to transfer money between banks. We offer both Domestic and International wire transfer services for our customers. Call for details.

 

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