PERSONAL CHECKING ACCOUNTS
View our personal checking rates.
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Choice
Checking
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Winner
Checking
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HomeOwners
Advantage
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Interest Checking
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Premium Interest Checking
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DESCRIPTON
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Our most popular account with added benefits for Students and Seniors
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Great package of checking values
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Great package of checking benefits for HNB home loan
customers
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Earns Interest with low minimum
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Higher interest rates with extras
This account only available with two other HNB banking relationships
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|
MINIMUM
OPENING
DEPOSIT
|
$100 |
$100 |
$100 |
$5005 |
$2,5005 |
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MINIMUM BALANCE
|
$0 |
$0 |
$0 |
$5005 |
$2,5005 |
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MONTHLY
MAINTENANCE
CHARGE
|
None |
Personal-$8/mo
Personal 55-$4/mo
Family-$10/mo
Family 55-$6/mo
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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 |
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EARNS INTEREST
|
No |
No |
No |
Variable7 rate calculated on average daily balance8; credited monthly |
Variable7 rates calculated
on average daily balance8; credited monthly |
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VISA CASH
& CHECK CARD
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Free2 |
Free2 |
Free2 |
Free2 |
Free2 |
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ATM
TRANSACTIONS
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No fees at HNB ATMs
4 Free ATM transactions at
non-HNB ATMs per month
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No fees at HNB ATMs
4 Free ATM transactions at
non-HNB ATMs per month
|
No fees at HNB ATMs
4 Free ATM
transactions at
non-HNB ATMs per month
|
No fees at HNB ATMs
4 Free ATM
transactions at
non-HNB ATMs per month
|
No fees at HNB ATMs
4 Free ATM transactions at
non-HNB ATMs per month
|
|
ONLINE
BANKING
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Free |
Free |
Free |
Free |
Free |
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ONLINE
BILL PAY
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Free |
Free |
Free |
Free |
Free |
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MOBILE BANKING
|
Free |
Free |
Free |
Free |
Free |
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OVERDRAFT PROTECTION
|
Yes4 |
Yes4 |
Yes4 |
Yes4 |
Yes4 |
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ADDITIONAL
BENEFITS
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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
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Unlimited check writing
Free HNB Logo checks
Free Money Orders and Cashiers Checks
No Closing Costs on Home Equity Loans4
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Unlimited check writing
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Unlimited check writing
Free HNB Logo checks
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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.