Thank you for your interest in a Home State Bank checking account. From our basic Free Checking and popular Express Checking account, to our interest paying Personal Plus (NOW) account, the account comparison table is an easy reference guide to help you find the best checking account to serve your unique needs. 

There is an "Apply Now" button below the account comparison table. This will take you to the online application where you can apply at your own convenience and will help expedite the process for you. The personal information that you will be providing Home State Bank will be sent via a secured line. Use of our Online Application is available for individuals who are at least 18 years of age and who want to open a retail consumer checking account only. 

Upon submitting your required personal information, Home State Bank will:

  1. Review your data
  2. Contact you to schedule your visit to come in to the Banking Center of your choice
  3. Provide you with all pertinent Account Opening Disclosures prior to having you sign the signature cards
  4. Officially open your desired account

COMPARE ACCOUNTS Free Checking Express Checking Personal Plus (NOW) Student Checking Senior Class Checking Choice Checking
HSB Online Banking and Bill Pay* 1 icon of a check mark to acknowledge that "I understand"
icon of a check mark to acknowledge that "I understand"
icon of a check mark to acknowledge that "I understand" icon of a check mark to acknowledge that "I understand" icon of a check mark to acknowledge that "I understand" icon of a check mark to acknowledge that "I understand"
HSB Mobile Banking* 2 icon of a check mark to acknowledge that "I understand"
icon of a check mark to acknowledge that "I understand"
icon of a check mark to acknowledge that "I understand" icon of a check mark to acknowledge that "I understand" icon of a check mark to acknowledge that "I understand" icon of a check mark to acknowledge that "I understand"
HSB Debit Card icon of a check mark to acknowledge that "I understand"
icon of a check mark to acknowledge that "I understand"
icon of a check mark to acknowledge that "I understand" icon of a check mark to acknowledge that "I understand" icon of a check mark to acknowledge that "I understand" icon of a check mark to acknowledge that "I understand"
ATM fees rebated* 3 icon of a check mark to acknowledge that "I understand"


(Up to 5x per statement cycle)

icon of a check mark to acknowledge that "I understand"


(Up to 5x per statement cycle)

icon of a check mark to acknowledge that "I understand"


(Unlimited)

Earns Interest* 4 icon of a check mark to acknowledge that "I understand" icon of a check mark to acknowledge that "I understand"
No FEE to receive checks* 5 icon of a check mark to acknowledge that "I understand" icon of a check mark to acknowledge that "I understand"
Reduced FEE for money orders
and cashier's checks
icon of a check mark to acknowledge that "I understand"
E-Statements Required icon of a check mark to acknowledge that "I understand" icon of a check mark to acknowledge that "I understand"
Minimum Deposit to open

$100

$100

$500

$100

$100

$10,000

Monthly Service Fee

$0 (Zero)
Simple and straightforward

$0 (Zero)
Simple and straightforward

$10 if daily balance
falls below $500

$0 (Zero)
Simple and straightforward

$0 (Zero)
Simple and straightforward

$25 if daily balance falls below $10,000

APPLY NOW

1. Required to enroll in Home State Bank's Minuteman Online Banking and register for at the time of enrollment. Certain restrictions and other limitations may apply.

2. Home State Bank mobile app is available for select mobile devices. You can enroll in Minuteman Online Banking and download our mobile app. Home State Bank does not charge for this convenient benefit, but please refer to your phone service provider for any fees that may apply.

3. Limited to five non Home State Bank ATM rebates per statement cycle. Applicable Non Home State Bank ATM Fees will be automatically rebated by Home State Bank. No action required by Home State Bank Express Checking Account Holder. If five Non Home State Bank ATM transactions are exceeded per statement cycle, the Express Checking Account Holder will be charged applicable fees.

4. Interest Compounded & Credited monthly. 

5. Senior Class Club membership required to receive 2 free boxes of "Specialty Mint" checks per calendar year. Choice Checking account holders receive unlimited checks and may come from any style Home State Bank makes available.


Overdraft Privilege


With our busy lives, it’s easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.

Home State Bank may have the solution you’re looking for with our Overdraft Privilege Program. Overdraft Privilege is not a line of credit and is not a right or obligation guaranteed to you. This is a discretionary program that can be changed or withdrawn at any time without notice. Our standard overdraft practice is to strive to pay your overdrafts when your account meets certain discretionary criteria. If you inadvertently overdraw your account, we will have the discretion to pay the overdraft subject to the Overdraft Privilege Program. For more details, click “HERE” for the Overdraft Coverage Disclosure.

Home State Bank will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by opting in to the payment of these overdrafts. Click "HERE" for more information about opting in to extend your Overdraft Privilege coverage.


FDIC-Your Insured Deposits