• Account Table
• Regular Checking
• Freedom Checking
• Advantage Checking
• 55 on the Go
• Health Savings Accounts
• Money Market
• Deposit Rates

Regular Checking

• Unlimited check writing
• No service with a minimum balance of $250
• Only $5.00 monthly charge if minimum balance falls below $250 (waived for student accounts)
• Minimum balance to open account $100
• Available as a Business or Personal Account

Freedom Checking

• Unlimited check writing
• No minimum balance required
• Internet Banking required
• Freedom Savings account with a premium interest rate is available. (subject to passbook savings terms below)

Advantage Checking

• Competitive interest rate
• Unlimited check writing
• Minimum balance to open account $100
• No monthly service charge with a minimum balance of $500.00
• Monthly service charge of $5.00 if minimum falls below $500.00
• Available as a Business or Personal Account

55 on the Go

• Competitive interest rate
• Unlimited check writing
• No monthly service charge with a minimum balance of $100.00
• Monthly service charge of $2.00 if minimum falls below $100.00
• Available to customers 55 years of age and older
• Hometown Banking Benefits package below at no charge

Health Savings Accounts

• Competitive interest rate
• Unlimited check writing
• Minimum balance to open $50
• $25 account set up fee with a $2 monthly service charge

Money Market

• Interest paid on balance with tiered rates for larger balances
• Third party checks are limited to 6 per month
• No monthly service charge with a minimum balance of $2,500
• Monthly service charge of $10 if minimum falls below $2,500
• Minimum balance to open account $2,500

All accounts can receive Hometown Banking benefits for an additional $5.00 per month. Hometown customers receive the following services and discounts:

• Safety paper checks – no charge
• All other checks - $10 off each box
• License sticker fee waived
• Cashier’s Checks and Money Orders are no charge
• Medallion Signature Guarantee - $5 discount
• Fax service and photocopies – no charge
• Bonus rates on C.D.s
• Preferred rates on installment loans with auto pay
• Safe Deposit Box discount - $10 per year

Deposit Account Disclosures

*If you close your account before interest is credited, you will not receive the accrued interest.
*Your interest rate and APY may change at our discretion at any time.
*Interest begins to accrue on the first business day after the banking day you deposit non-cash items.
*Interest is compounded monthly and credited the last day of each statement cycle.