Checking Account - HNB Bank

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. For EBanking Checking there is a $5 monthly fee if you receive a printed statement by mail.
Free Standard Checks One free box of personalized checks per year.
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.

Features »

University
Checking

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
–
Free Cashier’s Checks
–
Safe Deposit Box Savings
–

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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
.01
Free Cashier’s Checks
–
Safe Deposit Box Savings
–

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
–

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

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