Checking

We offer business checking accounts to meet the needs of all sorts of clients.  Whether a smaller business with a modest level of account activity or a large business with a high level of activity, a non-profit or a community organization, we have an account tailored to you.
Small Business
Checking
Commercial
Checking
Description
Great for minimum transaction volume
Great for high
transaction volume and
carry high balance to receive earnings credit
Minimum Opening
$300
$0
Minimum Balance
$300
$0
Monthly Maintenance Fee
None; If average daily
balance4 falls below
minimum:  $8 fee
$5
Activity Fees
100 deposit and withdrawal
items at no charge each month.1 If over, there is a $0.20 fee per item
$0.10 per debit2
$0.20 per deposit
$0.05 per check not drawn
on HNB
Earnings Credit None
Yes, based on average daily
balance4, this credit is used to
offset any service charges.
ATM & Debit Card  Free3 Free3
ATM Transactions
No fees at HNB ATMs;
4 Free ATM transactions per month at
non-HNB ATMs
No fees at HNB ATMs;
4 Free ATM transactions
per month at
non-HNB ATMs
Additional Benefits
Business Debit Card
Business Online Banking
Direct Deposit
Business Debit Card
Business Online Banking
Direct Deposit
1Items include checks, deposits, electronic funds transfers, point of sale transactions, or pre-authorized ACH payments.
2 Debit items include checks, electronic funds transfers, point of sale transactions, or pre-authorized ACH payments.
3 Based on approval.
4 We used the average daily balance.  The average daily balance is calculated by adding the principle 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.
 
Want to apply for one of our amazing checking accounts? Click here for our business application. 
Once completed send it to clientservices@hnbank.com or bring it to your nearest location.