Personal Products - Checking

All fees listed are subject to change. Hometown Bank will notify you in writing regarding any fee change at least thirty (30) days in advance of the effective date of the changes.

NON-INTEREST Regular checking
The Regular Checking account is perfect for your everyday checking needs.

• Minimum opening balance of $50
• $300 minimum daily balance to avoid monthly maintenance fee or if you maintain a balance of $2,000.00, combined in any two accounts, which may include Passbook Savings account and Certificates of Deposit
• $5 monthly maintenance fee
• $10.00 fee for original cancelled checks returned in statement
• First 200 checks free
• Visa check card is available upon qualification
• Free overdraft protection available
• Monthly statements include images of checks paid

NOW (Negotiable Order of Withdrawal) Checking
This interest bearing account is a perfect option for customers that deserve to earn interest on higher balances and still want the convenience of a checking account.

Interest begins to accrue on the day we receive the deposit. NOW account Interest is compounded monthly and paid monthly. If the account is closed before interest is paid, and the amount of interest accrued is less then $1.00, the interest will not be paid

• Minimum opening balance of $200.
• $1,000 minimum daily balance to avoid monthly maintenance fee or if you maintain a balance of $2,000.00, combined in any two accounts, which may include Passbook Savings account and Certificates of Deposit
• $7.50 monthly maintenance fee
• $10.00 fee for original cancelled checks returned in statement
• To view current rates see Rates & Fees section.
• Customer pays for checks
• Visa check card, available to qualified applicants
• Free overdraft protection available
• Monthly Statements include images of checks paid

Super NOW Checking
Hometown offers a checking account with an extra rate tier designed for customers who keep larger than normal balances in their checking account. Hometown offers one rate for balances up to $2,499.99 and a higher rate for balances over $2,500.00.

Interest begins to accrue on the day we receive the deposit. Super NOW account Interest is compounded monthly and paid monthly. If the account is closed before interest is paid, and the amount of interest accrued is less then $1.00, the interest will not be paid

• Minimum opening balance of $2,500.00
• $1,000.00 minimum daily balance to avoid monthly maintenance fee or if you maintain a balance of $2,000.00, combined in any two accounts, which may include Passbook Savings account and Certificates of Deposit
• $7.50 monthly maintenance fee
• $10.00 fee for original cancelled checks returned in statement
• To view current rates see Rates & Fees section
• Customer pays for checks
• Monthly Statements include images of checks paid
• Visa check card available to qualified applicants
• Free overdraft protection available

Personal Money Market Account
Money Market Accounts pay a higher rate of interest making them an ideal account for customers that want to maximize their interest and still have immediate access to their funds.

Even a higher rate of interest with a balance of $2,500 and over; earn the NOW account rate of interest on balances that drop below $2,500. Interest begins to accrue on the day deposits are made. Interest is compounded and credit to the account monthly. To view current rates and tiers see Rates & Fees section.

This account allows the Option of having six (6) pre-authorized, automatic, telephone or ATM (to third parties) transfers per monthly statement cycle; three (3) of which may be by check to third parties.

• $2500 minimum to open.
• $7.50 monthly maintenance fee for balances less than $1,000
• $10.00 fee for original cancelled checks returned in statement
• Unlimited withdrawals are allowed in person
• Customer pays for checks
• Monthly statements include images of paid checks.