PERSONAL CHECKING
View our personal checking rates.
| |
1ST Choice Checking
Our Most Popular Account |
Winner Checking
Great Package of Checking Values |
Interest Checking
Earns Interest with Low Minimum |
Premium Interest Checking
High Interest Rates & With Great Extras |
| MINIMUM OPENING DEPOSIT |
$100 |
$100 |
$500 |
$2,500 |
| MINIMUM BALANCE |
$0 |
$0 |
$500 |
$2,500 |
| MONTHLY SERVICE CHARGE |
None |
Personal: $8/mo
Personal55: $4/mo
Family: $10/mo
Family55: $6/mo |
If average daily balance falls below minimum: $5 fee plus10¢ per debit1 per month |
None; Interest Checking rate paid if average daily balance falls below minimum |
| EARNS INTEREST |
No |
No |
Variable rate calculated on average daily balance; credited monthly |
Variable rates calculated on average daily balance; credited monthly; rate related to US Treasury rates |
| VISA CASH & CHECK CARD |
$1/month2 |
$1/month2 |
$1/month2 |
No monthly charge |
| EXTRAS |
Unlimited check writing with direct deposit; otherwise the first 20 checks are free, and 10 cents per check there after1
Ready Reserve Overdraft Protection8
|
Free Winner style checks
Unlimited check writing
Free Money Orders
Accidental death insurance policy
20 Free Photocopies
Ready Reserve Overdraft Protection8
|
Unlimited check writing
Ready Reserve Overdraft Protection8
|
Free checks4
Free Online Bill Pay3
No ATM fees5
Unlimited check writing
Available with two other HNB banking relationships
Ready Reserve Overdraft Protection8
|
1 Debit items consist of checks/drafts/point-of-sale/pre-authorized payments
2 Based on approved application; no fees at HNB ATMs; fees applied at other ATMs will be automatically refunded
3 No Fee Bill Payment for our online customers
4 Free Premium Interest checking design, duplicate, one box per order, two free per year
5 Use any ATM, anywhere. If you are charged a surcharge, we will automatically refund the fee
6 Money Market Savings interest rate is tiered based on following average daily balances: below $1000; $1000 to $9,999.99; $10,000 to $24,999.99; $25,000 to $99,999.99; $100,000 & over
7 For Money Market Savings, there is a limit of six pre-authorized, automatic or telephone transfers per month. No more than six can be by check or Cash & Check card. Unlimited withdrawals in person. There is a fee of $2 per debit over six per month.
8 Based on approved application