PERSONAL CHECKING ACCOUNTS 

View our personal checking rates.

 

 

 

Choice
Checking

Winner
Checking

HomeOwners
Advantage

Interest Checking

Premium Interest Checking

DESCRIPTON

Our most popular account with added benefits for Students and Seniors

Great package of checking values

Great package of checking benefits for HNB home loan
customers

Earns Interest with low minimum

Higher interest rates with extras

This account only available with two other HNB banking relationships

MINIMUM
OPENING
DEPOSIT

$100 $100 $100 $5005 $2,5005

MINIMUM BALANCE

$0 $0 $0 $5005 $2,5005

MONTHLY
MAINTENANCE
CHARGE

None

Personal-$8/mo
Personal 55-$4/mo
Family-$10/mo
Family 55-$6/mo

None If average daily balance8
falls below minimum: $5 fee plus $0.10 per debit1 per month6
None; Interest Checking rate paid if average daily balance8 falls below minimum

EARNS INTEREST

No No No Variable7 rate calculated on average daily balance8; credited monthly Variable7 rates calculated
on average daily balance8; credited monthly

VISA CASH
& CHECK CARD

Free2 Free2 Free2 Free2 Free2

ATM
TRANSACTIONS

No fees at HNB ATMs
7 Free ATM transactions at
non-HNB ATMs per month

No fees at HNB ATMs
7 Free ATM transactions at
non-HNB ATMs per month

No fees at HNB ATMs
7 Free ATM
transactions at
non-HNB ATMs per month

No fees at HNB ATMs
7 Free ATM
transactions at
non-HNB ATMs per month

No fees at HNB ATMs
7 Free ATM transactions at
non-HNB ATMs per month

ONLINE
BANKING

Free Free Free Free Free

ONLINE
BILL PAY

Free Free Free Free Free

MOBILE BANKING

Free Free Free Free Free

OVERDRAFT PROTECTION

Yes4 Yes4 Yes4 Yes4 Yes4

ADDITIONAL
BENEFITS

Unlimited check writing

Free HNB Logo checks3

Free Money Orders and Cashiers Checks3

Unlimited check writing

Free HNB Logo checks

Free Money Orders

Accidental death insurance policy

Unlimited check writing
Free HNB Logo checks
Free Money Orders and Cashiers Checks
No Closing Costs on Home Equity Loans4

Unlimited check writing

Unlimited check writing

Free HNB Logo checks

 

1 Debit items consist of checks/drafts/point-of-sale/pre-authorized payments.
2 Based on approval.
3 For our Checking Clients age 55 or better.
4 Based on approved application.

5 Minimum balance to obtain Annual Percentage Yield (APY) stated in the Rates section.

6 Account fees may reduce earnings.

7 Variable interest rates subject to change.

8 We use the average daily balance.  The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

 

For further information, please see your Client Service Representative.

Account disclosures available on request.