Compare Checking Accounts

Personal Checking

Consumer AccountsFreedom CheckingClassic CheckingAdvantage NowPremier 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