Business Banking

Checking

Are you tired of everything getting more expensive, more complicated and less convenient? We sure are. HNB Bank is dedicated to meeting your financial needs. Whether you are a growing small business or a large corporation, we have an account made for you.


Checking Basics
Minimum Deposit to Open	$100	$100	$100	$100	$100
Minimum Daily Balance to Avoid Service Charge	$0	$0	$0	n/a	n/a
Monthly Maintenance Fee	$0	$0	$12.50	$20.00	$0
Number of Transactions (checks written, deposits made, deposited items) Allowed Without Charge	Unlimited	300	0	0	300
Excess Transaction Fee Per Additional Item	$0	$0.30	n/a	n/a	$0.30
Per Check Fee	$0	$0	$0.15	$0.15	$0
Per Deposit Fee	$0	$0	$0.15	$0.15	$0
Deposited Item Fee	$0	$0	$0.10 per foreign and local item; $0.05 for HNB item	$0.10 per foreign and local item; $0.05 for HNB item	$0
Earnings Credit Rate to Offset Fees	None	None	NOW Business Rate	Corporate Analysis Rate	None
Minimum Daily Balance to Earn Interest¹	n/a	n/a	$1,500	n/a	$1,500
Optional Banking Services
e-Business Banking Account Access	Free	Free	Free	Free	Free
e-Bill Pay (Unlimited Transactions)	Free	Free	Free	Free	Free
e-Cash Management (Unlimited Payroll, ACH Origination and Domestic Wire Transfers)	Free 90-day trial, $19.95 per month with unlimited transactions thereafter	Free 90-day trial, $19.95 per month with unlimited transactions thereafter	Free 90-day trial, $19.95 per month with unlimited transactions thereafter	Free	Free 90-day trial, $19.95 per month with unlimited transactions thereafter
Business Debit Card - Coming Soon	Free	Free	Free	Free	Free
Telephone Banking with Financial Connection	Free	Free	Free	Free	Free
Analysis Statement	n/a	n/a	Free	Free	n/a
e-Statement	Free	Free	Free	Free	Free
Sweep Service	Free	Free	Free	Free	Free
Cash Management (per month)	n/a	$25.00	$25.00	$25.00	$25.00
ACH Origination Including Direct Deposit Payroll (per file) Per ACH Transaction Fee (less than 250 items) Per ACH Transaction Fee (250+499 items) Per ACH Transaction Fee (500+ items)	$12.50 $0.10 $0.05 $0.03	$12.50 $0.10 $0.05 $0.03	$12.50 $0.10 $0.05 $0.03	$12.50 $0.10 $0.05 $0.03	$12.50 $0.10 $0.05 $0.03
CD-ROM Auto Reconciliation and Electronic Statement (monthly fee, for first account)	$10.00	$10.00	$15.00	$15.00	$10.00
CD-ROM Auto Reconciliation and Electronic Statement (monthly fee, per additional account)	$5.00	$5.00	$10.00	$10.00	$5.00
End of Year CD-ROM Electronic Statement & Images	$25.00	$25.00	$50.00	$50.00²	$25.00

¹ Due to FDIC Regulations, interest can be paid only to sole proprietors, non-profit organizations, and select public and government entities.
² This fee is waived with a monthly CD-ROM Auto Reconcilition Service.

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HNB Services

eBanking Services

Looking for more banking convenience? eBanking Services from HNB include online account access, electronic bill payment, email statements and more. Learn More About eBanking Services >

Telephone Banking

Need a fast, easy way to bank anytime of the day or night from home or on the go? HNB Bank offers you many ways to keep track of your balance and more. Learn More About Telephone Banking >

In Person

We welcome the opportunity to visit with you! Stop by or call to make an appointment to discuss your life planning stragegies and find out more about our solutions that can get you there! See All Branch Locations >

FDIC Transaction Account Guarantee Program
HNB Bank is participating in the FDIC's Transaction Account Guarantee Program. Under this program, through June 30, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. To learn more about maximizing your insured deposits, call, stop by, or visit our online Financial Resource Center.