Checking and Savings Accounts
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When it comes to checking accounts, you have a number of options with HOMEBANK. Let us help find the right account for you!
Non-Interest Bearing Checking Accounts
The Value account is HOMEBANK’s basic checking account for those customers with few transactions. After an opening deposit of $50, Value customers may make up to 25 debits (withdrawal, check paid, automatic transfer or payment out of this account) per statement cycle. If you exceed 25 debits there is a $.25 fee that will be charged for each debit transaction exceeding 25 during the statement cycle.
To open this account, an initial deposit of $50 and a valid student ID card is required. If under 18 years of age, a parent or legal guardian must be a joint owner on the account. You will receive your first ATM/Visa® debit card and first box of checks free! Upon graduation date, the minimum balance will no longer be waived. This account offers a free debit card at account opening.
To open this account, a deposit of $100 is required. A monthly maintenance fee of $7.00 will be imposed every statement cycle if the balance in the account falls below $100 any day of the cycle. This account offers a free debit card at account opening.
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. A $3.00 maintenance fee service will assessed monthly on the account. 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.For more information click here
Interest Bearing Checking Accounts
After an opening deposit of $500, customers must maintain a minimum balance of at least $500 in an E-Preferred/Preferred NOW account to avoid a $10 monthly service fee. This account offers a free debit card at account opening.
With an E-Premier account, customers can enjoy the benefits of a high interest-earning checking account. A $50 opening deposit is required. Customers need only to maintain a balance of $0.01 to earn the Annual Percentage Yield. To reap the benefits of the E-Premier account, customers must make 10 Visa® debit card purchases per month and must have at least one direct deposit or automatic payment post per month.
E-Money/Money Market accounts require at least $2,500 at opening. The tiered rate structure offers customers a variety of interest rates, but a $2,500 minimum balance is required to earn the APY and to avoid a $15 monthly service fee. The E-Money/Money Market accounts also allow for up to six transfers to a third party per month.
1E-Accounts require customers to register for Online Banking and receive E-Statements. Failure to do so results in a $5 monthly service fee. 2 If you choose to have Internet Banking and receive Online Statements, the minimum balance service charge will be waived.
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Personal Savings Accounts
Start saving your money today! HOMEBANK offers a wide variety of personal savings accounts. Let us find the savings account tailored for you!
HOMEBANK’s most Basic savings account requires a $50 deposit to open. A $2 monthly service fee will be applied if the account balance falls below $50. Customers are allowed to make up to six withdrawals and six transfers to a third party per month.
After an opening deposit of $500, Supreme customers must maintain a minimum balance of $500 to avoid a $2 monthly service fee. Supreme savings accounts are allowed six withdrawals and six transfers to a third party per month.
To open this account, a deposit of $1,000 is required. A $10 monthly service charge will apply if the account balance falls below the minimum balance of $1,000 anytime during the month. Customers are allowed to make up to six withdrawals and six transfers to a third party per month. Each additional withdrawal or transfer will result in a $1 fee.
HOMEBANK’s Christmas Club Savings Account is a unique product that allows customers to tuck money away throughout the year at a higher interest rate. In the third week of October and just in time for Christmas shopping, Christmas Club savers are cut a check for the balance of their account to spend however they see fit. A $5 minimum deposit is required to open this account.
3 If primary owner is under the age of 18, minimum opening deposit and balance requirement are reduced to $10; fees are waived until age 18. If a full-time student and bank is notified of status, balance requirement will remain lowered on a year-by-year basis.