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Hometown Checking

• $50 balance to open account
  
• No minimum balance to avoid imposition of fees
  
• $5 Monthly Paper Statement Fee if not enrolled in eStatements

Regular Checking

• $50 minimum balance to open the account. 
• $3.00 service charge plus sales tax will be imposed every statement cycle if the balance in the account falls below $300.00 any day of the cycle. 

NOW Account

• $750.00 minimum balance to open the account
  
• If the account falls below $750.00 any day of the statement cycle, a service charge of $3.00 plus sales tax will be imposed.
• You must maintain a minimum balance of $750.00 in the account each day to obtain the disclosed annual percentage yield.
  
• Your interest rate & annual percentage yield may change.
  
• We may change the interest rate on your account at any time.
• We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded and credited to your account every month.
  
• Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
  

Student Checking

• $50 balance to open the account
  
• No minimum balance to avoid imposition of fees
  
• Account available to full-time students up to 23 years old

62 & Over

• $50 balance to open the account
  
• No minimum balance to avoid imposition of fees
• Account available to customers 62 and over

Applicable state law requires that certain service charges and fees be subject to sales tax.