Personal Checking

Personal Checking

We’ve made checking personal again, with a variety of checking accounts that are tailored to your personal needs. From totally free checking to interest bearing accounts, our checking products are very straightforward, designed to give you what you need. Explore our options to find an account that fits your needs and management style.

Free Checking

  • Totally Free Checking. No Surprise Fees!
  • Non-Interest Bearing
  • Free Debit Cards and First Order of Checks Free
  • Waive Up to $10 of Other Banks' ATM Fees Per Month
  • Safe Deposit Boxes Available to Rent
  • Cashier's Checks Service Available for a Fee
  • Free Monthly E-Statement or Paper Statement
  • No Monthly Service Charge to Worry About
  • Only $50 Needed to Open!
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Advantage Checking

  • A Competitive Interest Checking Account
  • Interest Bearing
  • Free Debit Cards and First Order of Checks Free
  • Waive Up to $10 of Other Banks' ATM Fees Per Month
  • $10 Discount on a Safe Deposit Box Rental
  • One Free Cashier's Check Per Statement Cycle
  • Free Monthly E-Statement or Paper Statement
  • $8 Monthly Service Charge Waived When You Maintain a $1,000 Average Monthly Balance
  • Only $50 Needed to Open!
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Star Checking

  • Fully Loaded Checking Account for Higher Balances
  • Interest Bearing
  • Free Debit Cards and Free Wallet-Style Checks
  • Unlimited Waiver of Other Banks' ATM Fees Per Month
  • Free Small Safe Deposit Box or $40 Off per Year on Larger Box
  • Unlimited Cashier's Checks
  • Free Monthly E-Statement or Paper Statement with Check Images
  • $12 Monthly Service Charge Waived When You Maintain a $2,500 Average Monthly Balance or $10,000 Combined Balance with Other HomeTown Accounts
  • Only $50 Needed to Open!
Get Started

National Strength, Local Service

A checking account shouldn’t just be a place to stash your cash. It should provide the support and services that you need to simplify your spending and provide the convenience of money management that life requires.

Every HomeTown Bank account comes with a team of experienced bankers and tellers that are passionate about building meaningful financial relationships, not just processing transactions. To provide service that goes above and beyond , our friendly team is backed by some powerful perks:

  • FREE Debit Cards
  • Waivers of Other Banks’ ATM Fees (amount varies by account type)
  • FREE Online Banking and Bill Pay
  • FREE E-Statements
  • FREE Mobile Banking
  • FREE 24-Hour Telephone Banking
  • FREE Notary Service
  • FREE Personal Use of “Coin Counter”
  • Unlimited Check Writing
  • Buy-back of Your Unused Checks and Old Debit Cards (up to $10)

Instant EMV Debit Card

Never wait for your card in the mail again! When you sign up for a HomeTown Bank checking account or report a lost card, you can get a new card instantly at one of our branch locations. This way, you can start using your new account immediately!

Text Alerts

Set up customized alerts for any of your HomeTown Bank accounts. You can elect to receive them via text, email, or online banking to alert you of low balances, transfers, deposits, and more. Or you can also receive basic account information via text. You can securely look up your account balances or request to by notified when your balance is low by sending a text command to HomeTown Bank.

Card Valet

Keep your accounts safe and under controlled usage through your mobile app with CardValet. You can program this service to send you alerts when your card is swiped in a certain location or with specified merchants and even deactivate your card instantly to provide extra security when you know you won't be using it.

Overdraft Protection

Our overdraft protection options provide our customers with the peace of mind they need to use their accounts with confidence. When you connect a savings account or personal line of credit to your checking account, you can rest assured that if by chance your balance is too low for a transaction, you'll be safe from a denied payment or overdraft fee.