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Consumer Checking Products

Type Minimum Balance To Open Monthly Service Charges Features
Elite $100 If account falls below minimum balance of $500 the following applies:
  • $5.00 activity service charge
  • $.30 per each item paid
  • No S/C will apply if there is a direct deposit during the statement cycle.
  • All Accounts are subject to other fees (refer to the current fee schedule).
    		•  If balance equals or exceeds $100 during the statement cycle the following applies:
  • an earnings credit of $.80 for each $100 maintained in the account during the statement cycle
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    Senior $100 All accounts are subject to a closeout fee (refer to the current fee schedule). One of the authorized signers must be a minimum age of 60 years of age.
    Hometown Premier $100 A $9.00 monthly fee will be assessed if balance falls below the minimum balance. All accounts are subject to a closeout fee (refer to current fee schedule).
  • Free first order of checks
  • $100,000 Common Carrier Accidental Death Insurance
  • Savers Club
  • Credit Alert
  • Sojourns Magazine
  • $20 Discount on Safe Deposit Box Rental for one year
  • Surcharge free Money Pass ATM Network
    • Hometown Premier Plus None
  • $6.00 monthly membership fee
  • All accounts are subject to a closeout fee (refer to the current fee schedule).
    		•  All benefits from the Hometown Premier PLUS:
  • Online Banking with FREE Bill Pay
  • $10,000 24-hour Accidental Death Insurance
  • $100,000 Common Carrier Insurance
  • ID Theft Insurance
  • Rebate Rewards
  • $52 Discount on Safe Deposit box rental for one year
  • 2 free official checks per month
  • Up to free six order of checks per year
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    Personal Investment $100 A $10.50 per check fee will be assessed for each check paid in excess of three checks paid per statement cycle. All accounts are subject to a closeout fee (refer to current fee schedule).
  • Combines higher interest rates with limited check writing.
  • Interest is compounded and credited monthly.
  • Tiers are defined by balances (refer to the current rate sheet).
  • Withdrawals are limited to 6 per statement cycle through check, wire transfer, telephone transfer, internet transfer, and/or ACH debit of which only three can be by check.
  • Unlimited in person withdrawals.
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    Phone: 410-272-5000 ext. 2111