Checking
Free Checking
A Free Checking Account is designed for those who want a no minimum balance checking account and want to be able to write an unlimited number of checks. For a low initial deposit of $100, this account entitles the holder to unlimited check writing privileges, cash station or debit card access, and 24-hour banking by phone services. The bank even handles the safekeeping of the cancelled checks. If a copy of a check is ever needed, the bank provides three free copies per statement cycle and a $1 a copy thereafter.
College Checking
With all the same requirements and structure of Free Checking, students leaving for college or currently enrolled at a college may sign up for Home State Bank's College Checking and receive additional benefits including:
- FREE ATM Withdrawals*
- FREE ATM/Debit Card
- FREE Checking & Electronic Statements
- FREE First Box of Checks**
- FREE Online Banking
- FREE Bank By Phone
Therefore, before you pack your bags and cruise to college . . . let Home State Bank provide all the accounts and services you need!
*Home State Bank will not charge for ATM fees for cash withdrawals and rebate up to five foreign ATM fees per statement cycle. **Checks must be selected from Category Style D checks.
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Choice Checking
Your choice has now been made easier! With Choice Checking*, you will receive all of the benefits of superior service that you're accustomed to at our hometown community bank, while also receiving FREE access to your cash at any ATM nationwide! But that's not all, with a minimum initial deposit of $10,000 you will receive many more benefits including:
- Checks will be provided for the account at no cost (Level B Checks)
- One annual investment review from our Home State Investment Center
- Bounce Protection limit of $1,000.00
- FREE ATM Card - All ATM withdrawal fees will be waived
- FREE Debit Card
- FREE Bill-Pay, FREE Internet Banking
- Direct Deposit Available
* $10,000 daily balance required or $15 per month charge. Interest compounds monthly - interest will not accrue on days the balance falls below $10,000.
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Personal Checking
With an opening balance of $100, a personal checking account provides unlimited checking. If the balance falls below $300 at any time, a $6.00 monthly service fee is assessed for that cycle. If, however, an average balance of $1,000 has been maintained for the cycle, the service charge is waived. A monthly statement is provided with check images.
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