Personal Banking

Savings & Money Markets

Whether you are just beginning to save or have some money built up that needs a better rate, we have the savings options you need.


Savings Basics
Minimum Deposit to Open	$50	$500	$1,000	$2,500
Minimum Daily Balance to Earn Interest	$100	$500	$1,000	$2,500
Minimum Balance to Avoid Service Charge	$100	$1,000	$1,000	$2,500
Service Charge (if minimum balance is not maintained)	$2	$5	$10	$20¹
Number of Debit Transactions	6²	6²	6²	6²
Excess Transaction Fee	$1	$1	$10	$10
Convenience Services
Automatic Savings Plan
eStatements
eNet Banking Account Access
Telephone Banking with Financial Connection
ATM Card
MasterMoney Debit Card (with separate application)
Direct Deposit

Balance Tiers to Earn Interest			$1,000-$9,999.99	$2,500-$19,999.99
			$10,000-$24,999.99	$20,000-$49,999.99
			$25,000-$49,999.99	$50,000-$99,999.99
			$50,000 +	$100,000 +

¹ Infinity Money Market customers who maintain a minimum daily balance of $10,000 in any combination of qualified HNB Bank banking relationships including: checking, savings, money market, certificates of deposits and loan accounts pay no monthly service fee.

²Federal Regulations limit pre-authorized withdrawals or transfers from your savings account to six (6) per month. Limited pre-authorized transfers and withdrawals include checks, drafts, debit card or similar order, systematic savings plans, sweep service, telephone and Internet banking transfers. Transfers and withdrawals made in person, by messenger, by mail, at an ATM, to loans at the same institution or to another depositor at the same institution are unlimited.

Personal

Checking Choices

Savings Solutions

CDs & IRAs

Personal & Mortgage Center

Health Savings Accounts

Investment Options

HNB Trust Services

New Account Application

eBanking Services

MasterMoney Debit Card

Business

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.