Personal Checking & Savings
Your Hometown Friends. Your Hometown Bank.
Hometown Key Account includes the following benefits at no additional cost:
1Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. 2Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate. 3 Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
IDProtect®1 helps to better protect you and your joint account holders for any identity fraud event, financial or otherwise, anywhere in the world even if the event has nothing to do with your account with us.
Fully Managed Recovery
Comprehensive Identity Theft Resolution Services – Access to a dedicated fraud specialist assigned to manage your case until your identity is restored.
Identity Theft Expense Reimbursement
Up to $10,000 Identity Theft Expense Reimbursement2 – To cover expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, medical record costs, costs for daycare and elder care, travel and accommodations, as well as coverage for wages lost for time taken off work to correct personal records. (Refer to Guide to Benefit for complete details of coverage.)
Credit File Monitoring
Daily credit file monitoring and automated alerts of key changes to your credit report. (registration/activation required)
Credit Report and Score3
Access to credit report and credit scores. (registration/activation required)
Credit Score Tracker
Receive valuable insight into your credit score.3,4 (registration/activation required)
Identity Monitoring
Monitoring of more than 1,000 databases and public records to identity suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (registration/activation required)
Dark Web Monitoring
Monitor your personal information on the dark web and receive alerts when your personal information is exposed. (registration/activation required)
1Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. 2Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate. 3Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. 4Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.
Advantages of Personal Banking with Your Hometown Bank
As your hometown bank, we are dedicated to offering personal accounts that have the latest digital access along with friendly and personal service. You can do much of your banking digitally, but you can also call or stop in for personalized assistance.
- FREE Mobile/Online Banking
- FREE Instant Issue Debit Card
- FREE Starter Checks
- FREE Bill Pay with Picture Pay
- FREE Instant Person to Person Payments (P2P) and Account to Account transfers (A2A)
- FREE eStatements with Check Imaging
- FREE Digital Vault
Checking Account Options
Hometown Key Account
The best in banking when it comes to protecting not only yourself, but your family. It comes with benefits that we call can use every day.
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- Identity Protection and Credit Monitoring
- No Cost Telehealth Access
- Cell Phone Protection
- Roadside Assistance
- Travel & Leisure Discounts
- $100 minimum opening balance (waived with direct deposit)
- Free E-Statements
- $7.00 Monthly Fee
- Rates available on our website or by calling 888-818-3372
*Click here to view our Hometown Key Account Brochure
Hometown Checking
- $50 minimum deposit to open*
- No required minimum balance
- $5 maintenance fee**
Hometown Checking with Interest
- $300 minimum deposit to open*
- $1,500 required minimum balance
- $5 maintenance fee**
- $10 low balance fee
Hometown Hero Checking
First Responders, Active Military Personnel, Veterans, Teachers, 50 & over
- $300 minimum deposit to open*
- $300 required minimum balance
- $5 maintenance fee**
- $5 low balance fee
Savings Account Options
Hometown Savings
- $100 minimum deposit to open
- $100 required minimum balance
- $10 low balance fee
- $5 maintenance fee**
*No minimum deposit with direct deposit. **Maintenance fees are waived with eStatements
Call or talk to one of our Customer Service Representatives for information about our current rates on Certificates of Deposit or Individual Retirement Accounts. Rates are subject to change at the banks discretion.
The Power of Choice:
We believe in empowering you to manage your finances on your terms. With our range of checking and savings accounts, you can create a personalized financial plan that meets your unique needs and aspirations. Explore our options today and take the first step towards a brighter financial future.
Visit our branch or contact our amazing customer service team to learn more and find the perfect account for you!
Hometown Personal Accounts:
| Hometown Advantages | Hometown Key Account | Hometown Checking | Hometown Checking w/ Interest | Hometown Hero Checking | Hometown Savings |
| Minimum Deposit to Open | $100 | $50* | $300* | $300* | $100 |
| Minimum Balance to Maintain | $0 | $0 | $1,500 | $300 | $100 |
| Low Balance Fee | $0 | – | $10 | $5 | $10 |
| Maintenance Fee | $7 | $5** | $5** | $5** | $5** |
| Free Online & Mobile Banking | ✔ | ✔ | ✔ | ✔ | ✔ |
| Free Instant Issue Debit Card | ✔ | ✔ | ✔ | ✔ | – |
| Free Bill Pay w/ Picture Pay | ✔ | ✔ | ✔ | ✔ | – |
| Earns Interest | ✔ | – | ✔ | ✔ | ✔ |
| Instant Pay a Person | ✔ | ✔ | ✔ | ✔ | ✔ |
| Unlimited Transactions | ✔ | ✔ | ✔ | ✔ | ✔ |
| Unlimited Check Writing | ✔ | ✔ | ✔ | ✔ | – |
| Free Starter Checks | – | ✔ | ✔ | ✔ | – |
| Free Digital Vault | ✔ | ✔ | ✔ | ✔ | – |
| Free Cashier’s Check | – | – | – | ✔ | – |
| Free Basic Checks | – | – | – | ✔ | – |
| Free 3×5 Safe Deposit Box | – | – | – | ✔ | – |
| Free Notary Services | ✔ | ✔ | ✔ | ✔ | ✔ |
* No Minimum deposit with direct deposit.
** Maintenance fee is waived with eStatements.
Rates are subject to change at the bank’s discretion.
