Checking
Trust HOMEBANK. Since 1934, HOMEBANK has been offering a variety of financial products to meet your personal needs. HOMEBANK provides state-of-the-art technology to empower our customers to take control of their finances, while providing customer service experts to assist along the way. Whether this is your first bank account, or one of many, HOMEBANK will make you the master of your finances by providing tailored banking tools to fit your needs.
Checking Accounts
Personal Checking
| E-Bonus** | E-Premier | E-Value | Value | Preferred | Senior* | Student | |
|---|---|---|---|---|---|---|---|
Application | |||||||
Minimum Balance to Open | $50.00 | $50.00 | $50.00 | $50.00 | $500.00 | $100.00 | $50.00 |
Transaction Requirements | You are required to make a minimum of ten (10) debit card point-of-sale transactions each statement cycle. These transactions must post and settle to your account by the end of statement cycle. You are also required to have at least one direct deposit each statement cycle (example: Payroll Deposits). You will be allowed a one month grace period for set up of the electronic deposit.
| To qualify to earn the higher tier interest rate you must have a minimum of 10 debits per statement cycle & one recurring electronic debit or credit into the account per month. | None | None | None | None | None |
Minimum Balance to Avoid Fee | $0.00 | $0.00 | $0.00 | $0.00 | $500.00 $10.00 Monthly balance fee if the account balance falls below any day of the statement cycle. | $100.00 $7.00 Monthly balance fee if the account balance falls below minimum balance in a statement cycle. | $0.00 |
Other Fees | An Account Transaction Requirement Fee of $5.00 will be imposed each statement cycle after bonus is paid, if transaction requirements listed above are not continuously met. An E-requirement service fee of $5.00 will be imposed every statement cycle that does not have Online Statements and Online/Mobile Banking usage at least once during the statement cycle.
| $5.00 E-Requirement fee every statement cycle if not enrolled in online banking and online/mobile banking usage of at least 1x per statement cycle. | $5.00 E-Requirement fee every statement cycle if not enrolled in Online Banking (Access 1 x/statement cycle) and enrolled in Online Statements | Excess debit fee $0.25 for each debit over 25 per statement cycle. | None | None | None |
Interest Bearing | No | Yes | No | No | Yes | No | No |
Minimum Balance to Receive Annual Percentage Yield | N/A | $0.01 | N/A | N/A | $500.00 | N/A | N/A |
First Debit Card FREE | Yes | Yes | No | No | Yes | Yes | No |
FREE Online Banking, Mobile Banking and Bill Pay | Yes | Yes, up to 20 bills per month | Yes, up to 20 bills per month | Yes, up to 20 bills per month | Yes, up to 20 bills per month | Yes, up to 20 bills per month | Yes, up to 20 bills per month |
Online Statements Available | Yes, Required to avoid E-Requirement fee. | Yes Required to avoid E-Requirement fee. | Yes
Required to avoid E-Requirement fee. | Yes | Yes | Yes | Yes |
24 Hour Phone Access | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Money Market Accounts
Personal Money Market Accounts
| E-Money Market | Money Market | Personal Super Money Fund | |
|---|---|---|---|
Application | |||
Minimum Balance to Open | $2,500.00 | $2,500.00 | $5,000.00 |
Transaction Requirements | None | None | None |
Minimum Balance to Avoid Fee | $2,500.00 $15.00 Monthly balance fee if the account balance falls below any day of the statement cycle. | $2,500.00 $15.00 Monthly balance fee if the account balance falls below any day of the statement cycle. | $5,000.00 $15.00 Monthly balance fee if the account balance falls below any day of the statement cycle. |
Other Fees | $5.00 E-Requirement fee every statement cycle if not enrolled in online banking and online/mobile banking usage of at least 1x per statement cycle. $5.00 Excess withdrawal fee for each debit transaction in excess of the 6 allowed transactions. | $5.00 Excess withdrawal fee for each debit transaction in excess of the 6 allowed transactions. | $5.00 Excess withdrawal fee for each debit transaction in excess of the 6 allowed transactions. |
Interest Bearing | Yes | Yes | Yes |
Minimum Balance to Receive Annual Percentage Yield | $2,500.00 | $2,500.00 | $5,000.00 |
First Debit Card FREE | Yes | Yes | Yes |
FREE Online Banking, Mobile Banking and Bill Pay | Yes, up to 20 bills per month | Yes, up to 20 bills per month | Yes, up to 20 bills per month |
Online Statements Available | Yes Required to avoid E-Requirement fee. | Yes | Yes |
24 Hour Phone Access | Yes | Yes | Yes |
*Must be 50 years of age or older
**You will receive a $100.00 E-Bonus reward deposit to your account as a bonus on the last day of the statement cycle following the 60-day account open requirement and all account transaction requirements have been met. Bonus will be reported on a 1099-INT at end of year. This account is limited to one account per social security number.