Personal Checking

Whether you want fee free or interest, pick the right checking account for your lifestyle.

If you’ve been searching for a new checking account that fits your busy lifestyle, with no hidden charges, your search is over.  And if you prefer the convenience of internet banking, you’ll be pleased to know your new account comes with FREE online banking and online bill payment. Organize and pay all your household bills on Hometown ePay and schedule payments in advance. You can get your monthly statements electronically, too, with 16 months of history in downloadable PDF format.

  • Open a new checking account AND either Activate Direct Deposit OR Enroll in Online Banking & Make 5 Debit Card Transactions*…you get $100
  • Make 5 Bill Payments & Activate eStatements*…you get $50
  • After your 1 Year active Checking Account Anniversary*…you get $50PLUS, receive these other great account benefits!
  • VISA® Debit card has free access to more than 4,500 SUM Network ATMS (other banks may charge for using their ATM)
  • FREE online banking with Hometown iBanking
  • FREE online bill payment with Hometown ePay
  • FREE mobile banking with Hometown iMobile
  • FREE monthly eStatements and eBills in place of mailed monthly paper statements

bankhometown-icon-603x

Download our mobile app today!


* As of 11/3/2016, the Annual Percentage Yield (APY) for Premier Checking is .10% for accounts with a minimum daily balance of $.01-$24,999.99, .15% for accounts with a minimum daily balance of $25,000-$49,999.99, .15% for accounts with a minimum daily balance of $50,000-$99,999.99, .20% for accounts with a minimum daily balance of $100,000-$999,999.99 and .25% for accounts with a minimum daily balance of $1,000,000 or more. Minimum daily balance to earn stated APY is $.01. Fees could reduce earnings on accounts. Rates offered are subject to change without notice. $100.00 promotional offer is for opening a personal checking account and activating direct deposit (of at least $25.00) or signing up for online banking and conducting 5 debit card transactions using your debit card within the first 60 days of account opening ($100.00 will be credited to the account by the last day of the statement cycle following the 60th day the account has been open). $50.00 promotional offer is for making 5 bill payments using online banking and enrolling in eStatements within 60 days of account opening ($50.00 will be credited to the account by the last day of the statement cycle following the 60th day the account has been open). $50.00 loyalty bonus will be paid after the account has been open for 12 months ($50.00 will be credited to the account by the last day of the statement cycle following the 365th day the account has been open). $10 minimum to open Get Real Checking or Basic Checking accounts. $100 minimum to open Premier Checking account. Bonuses for new checking account customers and limited to one account per customer. In accordance with applicable regulations bonus payouts may be 1099 reportable. Account must be in good standing and have a positive balance at the time the bonus is paid. May not be combined with other promotional offers. This is a limited time offer and subject to change without notice.

 

Basic Checking

It’s simple and with no minimum balance to maintain the account, you’ll never have a Maintenance Service Charge.
Senior/Minor Checking Fee Free 18/65
Opening Deposit $10
Minimum Balance to Earn Interest N/A
Basic Checks First order free Senior/Minor (120 blue safety-wallet style)
Interest Rate N/A
Monthly Maintenance fee None
Online Banking FREE Online Banking with eStatements
Mobile Banking FREE, feature rich mobile banking app for your smart phone or tablet. Must enroll in online banking
Online Bill Pay Organize and pay all your household bills online, schedule payments in advance, transfer funds, and more
VISA Debit/Credit Card 24-hour access to your funds, fee-free at all SUM locations (A fee may be charged by non-SUM member banks)
Detailed monthly statements with check images mailed monthly May be combined with statement savings account for one monthly statement
eBills Available online monthly. Customer must enroll in online banking and choose to receive electronic statements
Direct deposit Convenient, safe, and reliable. Immediate access to your funds
Toll-Free Telephone Banking Available 24 hours. Check balances, transfer funds and make mortgage and loan payments 888.826.1120

NOTE: You must live within one of the Counties listed in the online application (generally, 50 miles of a bankHometown branch office) to open an account online.

Premier Checking

It offers more free benefits plus you'll earn interest on your balance.
Opening Deposit $100
Minimum Balance to Earn Interest $0.01
Basic Checks First order free (120 blue safety-wallet style)
Interest Rate Monthly Compounding
Monthly Maintenance fee None
Online Banking FREE Online Banking with eStatements
Mobile Banking FREE, feature rich mobile banking app for your smart phone or tablet. Must enroll in online banking
Online Bill Pay Organize and pay all your household bills online, schedule payments in advance, transfer funds, and more
VISA Debit/Credit Card 24-hour access to your funds, fee-free at all SUM locations (A fee may be charged by non-SUM member banks)
Detailed monthly statements with check images mailed monthly May be combined with statement savings account for one monthly statement
eBills Available online monthly. Customer must enroll in online banking and choose to receive electronic statements
Direct deposit Convenient, safe, and reliable. Immediate access to your funds
Toll-Free Telephone Banking Available 24 hours. Check balances, transfer funds and make mortgage and loan payments 888.826.1120

NOTE: You must live within one of the Counties listed in the online application (generally, 50 miles of a bankHometown branch office) to open an account online.