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Personal

Accounts

HOMEBANK has designed a suite of checking and saving products to meet the needs of all our consumers. Whether you conduct your banking on-the-go and seldom visit a branch or make frequent visits to our branches for a more personalized banking experience, we’ve got the perfect account for you!


Checking Accounts


Basic

An initial deposit of $50.00 is all that is required to open this account. There are no monthly service charges, and no minimum balance requirements. Additional services include a VISA Debit Card/ATM card available for a $5.00 sign-up fee, use of Online Banking, Mobile Banking, and our 24 hour access line.


Personal

This account requires a deposit of $100.00 to open and a monthly minimum of $100 to avoid the $7.50 monthly service charge. This account does not limit the number of checks you may write each month or the number of deposits you can make. Additional services include a VISA Debit Card/ATM card for no charge at account opening, and use of Online Banking, Mobile Banking, and our 24 hour access line.


Personal Now

This interest bearing account requires an initial deposit of $500.00 to open and obtain the annual percentage yield. The balance must remain at or above $500.00 every day of the statement cycle to avoid the $10.00 monthly service charge as well as to continue earning interest. This account does not limit the number of checks you can write each month or the number of deposits you can make. Additional services include a VISA Debit Card/ATM card for no charge at account opening, and use of Online Banking, Mobile Banking, and our 24 hour access line.


Personal Money Market

An initial deposit of $2,500.00 is required to open this account and maintain the annual percentage yield. The balance must remain at or above $2,500.00 every day of the statement cycle to avoid the $10.00 monthly service charge as well as to continue earning interest. Interest is accrued based upon three tiers of interest rates subject to your available balance. Transfers from this account to another account or to third parties by preauthorized, automatic, telephone, or Internet transfer are limited to six (6) per statement cycle. A per check fee of $2.00 will be charged for each check paid in excess of six during a monthly statement cycle. Additional services include use of Online Banking, Mobile Banking, and our 24 hour access line.


Pinnacle Money Market

An initial deposit of $25,000.00 is required to open this account and maintain the annual percentage yield. The balance must remain at or above $25,000.00 every day of the statement cycle to avoid the $25.00 monthly service charge as well as to continue earning interest. Interest is accrued based upon three tiers of interest rates subject to your available balance. Transfers from this account to another account or to third parties by preauthorized, automatic, telephone, or internet transfer are limited to six (6) per statement cycle. A per check fee of $2.00 will be charged for each check paid in excess of six during a monthly statement cycle. Additional services include use of Online Banking, Mobile Banking, and our 24 hour access line.


Health Savings Account

To open HOMEBANK’s Health Savings Account, you must have a qualified health insurance plan. This account requires a deposit of $50.00 to open and obtain the annual percentage yield. The balance must remain at or above $50.00 every day of the statement cycle to avoid the $3.00 monthly service charge as well as to continue earning interest. Interest is accrued based upon three tiers of interest rates subject to your available balance. Additional services include a VISA Debit Card/ATM card for no charge at account opening, and use of Online Banking, Mobile Banking, and our 24 hour access line.


Savings Accounts

Statement Savings

This account is a good investment for anyone. A deposit of only $50.00 is required to open this account and to obtain the disclosed annual percentage yield. Interest will be compounded and credited to your account every quarter. An account maintenance fee of $2.00 will be imposed each month in which the balance falls below $50.00 on any day during the month. Six withdrawals will be allowed each month and an excessive withdrawal fee of $1.00 will be imposed to each withdrawal over six. A dormant fee of $2.00 per month will be imposed on accounts with no activity for 12 consecutive months.


Christmas Club

This account is good for anyone who needs to put money away for Christmas or taxes at the end of the year. This account only requires $1.00 to open and money can be deposited at any time during the year and in any dollar amounts. Interest will be compounded and credited to the account during the third week of October each year. Christmas Club checks for the full account balance will be mailed after November 1st, or you can opt to have the money directly put in one of your HOMEBANK accounts. These accounts will reopen after November 1st of each year.


Complete account disclosures, applicable rates, terms and fees are available upon request by contacting a customer service representative at 573-769-2001.