Personal Checking
| Consumer Accounts | Freedom Checking | Classic Checking | Advantage Now | Premier Now |
|---|---|---|---|---|
Minimum to Open | $100.00 ($50.00 Teens under 18) | $100.00 | $500.00 | $500.00 |
Maintenance Fees | A maintenance fee of $4.25 will be imposed every statement cycle. To avoid the maintenance fee you must meet one of the following: ~Receive your statement electronically ~Maintain a daily balance of $250.00 in the account ~Maintain an average daily balance of $2,500.00 in any combination of checking, savings, money market or certificate of deposit | A maintenance fee of $8.00 will be imposed every statement cycle | A maintenance fee of $8.00 will be imposed every statement cycle if the balance falls below $500.00 any day of the cycle | A maintenance fee of $20.00 will be imposed every statement cycle To avoid the maintenance fee you must meet the following: ~Maintain an average daily balance of $20,000.00 in any combination of accounts |
Transaction Fees | None | None | 25 free debits, .15 fee for each debit in excess of 25 | None |
Pays Interest | No | No | Yes | Yes |
Online Banking & Bill Pay | Available | Available | Available | Available |
Debit Card | Available | Available | Available | Available |
Telephone Banking | Available | Available | Available | Available |
Senior Benefits (age 65 or better) | No account maintenance fees will be imposed & check images are provided | |||
Additional Benefits | • $10,000 accidental death and dismemberment insurance • $5.00 discount on first order of Hometown Checks • No fee to purchase Cashiers Checks or Money Orders • No Service Fee on License Sticker Renewal (at participating HSB Branches) • 1st year 3x5 safe deposit box rental fee waived | ~ First order of 150 Premier Now Hometown Checks is free ~ No fee to purchase Cashiers Checks or Money Orders ~ First years rental waived on a 3 x 5 Safe Deposit Box |