Whether you want a simple checking account or an interest bearing one, we have an account designed with you in mind.

Labeling
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  • Minimum Daily Balance Minimum Daily Balance - This is the minimum balance that must be maintained in the account each day to avoid a monthly service charge.
  • Balance to Open
  • Fee if Falls Below Balance Fee if Fall Below Balance
    This fee applies to the NOW account only. You must keep a $100 daily balance in the account to avoid the monthly service fee. If your balance falls below $100 at any time during the statement cycle, a $10 fee will be charged for that statement cycle.
  • Monthly Fee For Ultimate Checking Account, there is a monthly service charge of only $5.00 per statement cycle. With this low fee, you may enjoy all the benefits of this account without worrying about falling below a minimum balance. The Ultimate monthly fee can be avoided provided you maintain $10,000.00 in any combination of checking, savings, money market, certificates of deposit, or loan account(s) at HNB.
  • Free Standard Checks Receive your first order of personalized checks at no charge when you open any of our Personal Checking Accounts, or receive ALL your personalized checks free with Ultimate Checking.
  • Discount on Checks Order premium personalized checks at a $10 discount with Ultimate checking. With many styles to choose from, you will find real value in your choice of personalized checks!
  • Number of Checks Written While most of our Personal Checking Accounts feature UNLIMITED check writing, our eBanking Account is limited to 10 written checks per statement cycle. However, eBanking also features FREE, UNLIMITED eBill-Pay!
  • Additional Per Check Fee This fee applies only to the eBanking Account. Each check over the statement-cycle limit of ten (10) is subject to a $0.30 fee.
  • Min Balance to Earn Interest With the Ultimate Checking and eBanking accounts you will earn interest on any balance, and on the NOW Checking Account, you will earn interest on daily balances above $1000.00. Please see our rate chart for the current interest rates and annual percentage yields.
  • Free Cashier's Checks These secure, convenient instruments are available to you at no issue fee on NOW and Ultimate Checking Accounts.
  • Safe Deposit Box Savings You will receive $10 towards your annual safe deposit box rental fee when you authorize automatic payment from your account.
  • No Foreign ATM Usage* For members of HNB University, eBanking, and Ultimate checking we waive our normal Foreign ATM fee charged when you use ATMs outside ATM Network. (You may still be assessed fees charged by machines not owned by us.)
Features »
HNB University

  • Minimum Daily Balance $0
  • Balance to Open $100
  • Fee if Falls Below Balance $0
  • Monthly Fee $0
  • Free Standard Checks  
  • Discount on Checks -
  • Number of Checks Written Unlimited
  • Additional Per Check Fee -
  • Min Balance to Earn Interest .01
  • Free Cashier's Checks -
  • Safe Deposit Box Savings -
  • No Foreign ATM Usage*  
HOT
eBanking Checking

  • Minimum Daily Balance $0
  • Balance to Open $100
  • Fee if Falls Below Balance $0
  • Monthly Fee $5
  • Free Standard Checks -
  • Discount on Checks -
  • Number of Checks Written 10
  • Additional Per Check Fee $0.30
  • Min Balance to Earn Interest -
  • Free Cashier's Checks -
  • Safe Deposit Box Savings -
  • No Foreign ATM Usage*  
HOT
NOW Checking

  • Minimum Daily Balance $100
  • Balance to Open $100
  • Fee if Falls Below Balance $10
  • Monthly Fee $0
  • Free Standard Checks -
  • Discount on Checks -
  • Number of Checks Written Unlimited
  • Additional Per Check Fee -
  • Min Balance to Earn Interest $1,000
  • Free Cashier's Checks  
  • Safe Deposit Box Savings -
  • No Foreign ATM Usage* -
HOT
Ultimate Checking

  • Minimum Daily Balance $0
  • Balance to Open $100
  • Fee if Falls Below Balance $0
  • Monthly Fee $5
  • Free Standard Checks  
  • Discount on Checks  
  • Number of Checks Written Unlimited
  • Additional Per Check Fee -
  • Min Balance to Earn Interest .01
  • Free Cashier's Checks  
  • Safe Deposit Box Savings  
  • No Foreign ATM Usage*  
HOT

*transaction fees may be assessed by ATM’s not owned or operated by HNB Bank
*Early closure fee of $25 on all checking accounts.

All HNB Checking accounts come with the following services:

  • Free Internet Banking
  • Free Telephone Banking
  • Free Bill Pay
  • Free Mobile Banking & Deposit
  • Free eStatements
  • MasterMoney card (with approved application)
  • Free Financial Check-Up
  • Free Home Loan Review
  • Direct Deposit
  • Free Notary Service
  • Personalized Debit Card ($15.00)

For a complete list of HNB’s current fees and charges, please ask an HNB Team Member at any of our locations.