The Hometown Club Account
For people who want more than just a place to keep their money. The Hometown Club provides numerous personal banking services for one small monthly fee.

• No minimum balance
• Unlimited check writing
• Initial 200 Club checks free
• Low monthly membership fee of $7.00
• Cashiers Checks - no issue charges
• Money Orders - no issue charges
• Thousands of Star or Cirrus ATM machines available nationwide and in Europe 
• 50% discount on safe deposit box rent during the first year

FREE CHECKING
For the budget conscious customer

• $50.00 minimum to open
• No minimum balance requirements
• No monthly service changes**
• $300.00 overdraft privilege service after first 30 days
• No canceled checks or images included with monthly statement 
  

REGULAR CHECKING

• With a $300.00 balance there is no service charge or monthly fee.** 
• If the balance falls below $300.00 at any time during the month, a $5.00
  maintenance fee, plus 20¢ per check or debit.

STERLING CHECKING Account
Through the years you have worked hard. Now it is time to relax, at least where your banking is concerned. Our Sterling Checking Account has you in mind! If you are at least 50 years young be sure to take full advantage of this special account.

• Earns the same interest rate as the NOW Account *
• No minimum balance requirements
• Unlimited check writing and no per-check fees
• No monthly service charges **
• Initial 200 Club checks free
• 25% discount on Safe Deposit Box rental
• Cashier's Checks - no issue charges
• Money Orders - no issue charges

NOW ACCOUNT CHECKING

• With a minimum balance of $500.00 or an average balance of $750.00, you earn
  interest* with no service charge.** 
• Lower balances are assessed a $5.00 service charge plus 20¢ for each transaction over 20.

STUDENT CHECKING

• No minimum balance
• No monthly service charges** 
• Must be at least 16 years old; under 18 requires parent's signature. Must have proof of full-time student status at time account is opened, and annually thereafter.
  

DIRECT DEPOSIT ACCOUNT
With proof of direct deposit from employer, Social Security, etc., you can open a Direct Deposit Account.

• No monthly fee**
• No per check charge
• No minimum balance required
  

* All interest rates are subject to market changes.

** Regular fees for NSF and Overdrafts still apply.


Additional account information and detailed disclosures are available upon request, and will also be provided before opening your account.