Account Types

What you see is what you get with our checking accounts. Our accounts are simple and full of features. Every checking account comes with interest and a debit card. You also get online and mobile banking, online bill pay, and access to over 55,000 surcharge-free ATMs, and use your phone to deposit checks.

Get the most out of your banking with these savvy personal checking options.

  ESSENTIAL PREFERRED PREMIER
INCLUDES      
Interest Yes Yes Yes
Home Savings Bank Debit card One free per account holder;
$5.00 replacement card;
No charge for reissue 		One free per account holder;
$5.00 replacement card;
No charge for reissue 		One free per account holder;
$5.00 replacement card;
No charge for reissue
Debit card signature-based use Unlimited Unlimited Unlimited
Monthly ATM/POS activity charges (no surcharge fees at over 55,000 ATMs) Unlimited free ATM/POS withdrawals** Unlimited free ATM/POS withdrawals** Unlimited free ATM/POS withdrawals**
Online banking/eAlerts & bill pay Free* Free* Free*
Mobile banking Free app with mobile deposit* Free app with mobile deposit* Free app with mobile deposit*
Per check/debit activity charge None None None
Overdraft courtesy pay available (after 30 days) Yes Yes Yes
PERKS      
My Custom Card $10.00 per card;
$10.00 replacement card;
$5.00 reissue fee 		One free per account holder;
$10.00 replacement card;
No charge for reissue 		One free per account holder;
$10.00 replacement card;
No charge for reissue
Loan fee discount None $100.00 off mortgage closing costs $300.00 off mortgage closing costs
Free checks None None Free box per calendar year
(Home Savings Bank design only)
Safe deposit box discount None 10% discount plus $5.00 discount for automatic payment 10% discount plus $5.00 discount for automatic payment
Certificate of deposit bonus None None .10% bonus on CD rates with $25,000.00 minimum
FEES AND DISCOUNTS      
Monthly maintenance charge None $8.00 per statement cycle;
waived when requirements are met 1 		$10.00 per statement cycle;
waived when requirements are met 2
Monthly statement Free eStatements; Paper
statement fee – $3.00/month 		Free eStatements; Paper
statement fee – $3.00/month 		Free eStatements; Paper
statement fee – $3.00/month
Package charge (return of
cancelled check images) 		Free online; Paper not available Free online; Paper – $7.00/month 4 Free online or paper 4
Bank checks $4.00 $4.00 Free
PAIRS WELL WITH Statement Savings accounts allow regular savings deposits and transfers for overdraft protection. 3
House account (higher interest savings for homeowners) or Money Market for higher interest. Both allow transfers for overdraft protection. 3
Money Market account provides higher interest, with flexible interest rate tiers and allows transfers for overdraft protection. 3
To avoid monthly
maintenance charge 		None 1 No monthly maintenance charge with direct deposit of your paycheck, pension or government benefits (such as Social Security). 2 No monthly maintenance charge with $10,000.00 average combined balance.

Open any of these account options with a minimum of $25.00. 3 Overdraft protection: See the Home Savings Bank Service Charge Fee Schedule regarding fees. Separate agreement required. Some transaction restrictions apply. Additional service charges are listed on the Home Savings Bank Service Charge Fee Schedule. 4 Return of cancelled checks only available with receipt of monthly paper statements at a charge of $3.00 per month. *Messaging and data rates may apply. **Charges may apply at non-surcharge-free ATMs.

Contact Home Savings Bank to open an account.

  • Statement cycle: Your statement listing all activity for that cycle will be provided monthly.
  • Minimum amount required to obtain the disclosed annual percentage yield: None
  • Minimum amount required to obtain interest accrual on deposits other than cash: None
  • Interest accrual on deposits other than cash: Interest begins to accrue on the business day you deposit non-cash items (for example: checks).
  • Variable rate accounts: Your interest rate and annual percentage yield may change at any time at our discretion.
  • Frequency of compounding and crediting: Interest will be compounded and credited to your account each statement cycle.
  • Method of computing interest: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
  • Rate floor and ceiling: None
  • Closing an account: You will receive the accrued interest if you close your account before interest is credited.
  • Deposits: May be withdrawn at any time, provided however, that the Board of Directors or authorized officers of the Bank reserve the right to require at least seven (7) days notice prior to withdrawal or transfer of any funds in the account.

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