Non-Interest Bearing Accounts

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institution to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you come to the bank to open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying documents.


Peferred Choice Checking

  • Minimum to Open: $100.00
  • Unlimited Transacitons
  • No Minimum Balance Required
  • Electronic Statement (eStatement) only
  • No Fee: Account to Account Transfer
  • No Fee: POP Money
  • No Fee: Mobile Deposit Set Up
  • HomeTown Bank $1.00 ATM Fee Waived for 1 year
  • ID Protect
  • Debit Advantage
  • Cellular Telephone Protection
  • Accidental Death and Dismemberment Insurance
  • Travel and Leisure Discounts
  • $hopping Rewards
  • Health Discount Savings
  • Monthly Service Charge Fee - $5.00

Perferred Choice Plus Checking

  • Minimum to Open: $200.00
  • Unlimited Transactions
  • No Minimum Balance Required
  • Electronic Statement (eStatement) only
  • No Fee: Account to Account Transfer
  • No Fee: POP Money
  • No Fee: Mobile Deposit Set up
  • HomeTown Bank $1.00 ATM Fee Waived for 1 year
  • Two Personal Check Orders per year
  • 20% Discount on Safe Deposit Box
  • ID Protect
  • Debit Advantage
  • Cellular Telephone Protection
  • Accidental Death and Dismemberment Insurance
  • Travel and Leisure Discounts
  • $hopping Rewards
  • Health Discount Savings
  • Monthly Service Charge Fee - $10.00

Preferred Choice Plus 55 Checking

  • You must be at least 55 years of age to open this account
  • Minimum to Open: $200.00
  • Unlimited Transactions
  • No Minimum Balance Required
  • Electronic Statement (eStatement) only
  • No Fee: Account to Account Transfer
  • No Fee: POP Money
  • No Fee: Mobile Deposit Set Up
  • HomeTown Bank $1.00 ATM Fee Waived for 1 year
  • Two Personal Check Orders per year
  • 20% Discount on Safe Deposit Box
  • No Fee for Cashier's Check (limited to 6 montly)
  • ID Protect
  • Debit Advantage
  • Cellular Telephone Protection
  • Accidental Death and Dismemberment Insurance
  • $hopping Rewards
  • Health Discount Savings
  • Monthly Service Charge Fee - $5.00

Simple Choice Checking

  • Minimum to Open: $100.00
  • Monthly Balance Fee:
    – Direct Deposit OR Minimum Balance $100.00 and over: No Fee
    – Minimum Balance $99.99 and under: $6.00 Fee
  • Electronic Statement (eStatement) Only

Personal Regular Checking

  • Minimum to open:  $200.00
  • Monthly balance fee:
    – Minimum balance $700.00 and over:  No Fee
    – Minimum balance $699.99 and under:  $7.00 fee
  • Unlimited check writing
  • Unlimited transactions
  • Free MasterCard Debit Card with no annual fee
  • Free online banking
  • Free online bill pay
  • Traditional Statement

Senior Checking

  • Minimum to open:  $200.00
  • Monthly balance fee:
    – Minimum balance $200.00 and over:  No Fee
    – Minimum balance under $200.00:  $2.00 Fee
  • Unlimited check writing
  • Unlimited transactions
  • Free MasterCard Debit Card with no annual fee
  • Free online banking
  • Free online bill pay
  • Traditional Statement
  • One Personal Check Order per year

Christmas Club

Take the stress out of your holidays with an easy savings plan that offers:

  • Minimum to open:  $5.00
  • Principal distributed by check or direct deposit annually in time for holiday shopping.*
  • Annual statements

*Please refer to the Truth in Savings Disclosure for additional conditions that may apply.