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Personal 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 FDIC’s deposit insurance coverage through the use of the FDIC’s Electronic Deposit Insurance Estimator (EDIE) and deposit insurance publications located on the FDIC’s 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 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 + membership (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 traveler'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.


(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.


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.
 

Other Checking Account Services

Travelex Prepaid MasterCard®
A new, exciting, and safe way to take your spending money with you while traveling. The prepaid Travelex MasterCard® offers you flexibility, convenience, and security, and is accepted at millions of merchants that accept MasterCard or Maestro® debit cards to buy goods and services. The Travelex MasterCard® also allows you to withdraw local currency at more than one million ATMs worldwide. If lost or stolen, MasterCard® will block the lost card and depending on your circumstances and location, they will arrange to get you emergency cash or a replacement card.

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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