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 (765)
436-2222 |
Business
Packages
Checking
Accounts
Savings
Accounts
Business
Loans
Deposit Rates
Certificate of
Deposit Rates
CD Specials
Home Free
Visa®Check
Card
Safe Deposit
Box Rental
Service Fees
Online Banking
Business Services
At Home National Bank, our goal is to offer products and services that meet your unique business needs. You’ll see our commitment in the way we build strong relationships with you and offer solutions that produce superior results. Whether you are a start-up or a 100-year-old business, we truly want to understand your business and are excited about the opportunity to work with you.
We take a simple approach to our business products and services. We learn about your business and tailor solutions specifically for you. We invite you to read through our offerings and discover for yourself the many ways we’re working to meet your business banking needs!
Home National Business Packages
Home Made Business Package
is for businesses who want to have more benefits because of the broader financial relationship with the bank.
Home Made Business Checking offers unlimited check writing, free online banking with Bill Pay option, free monthly image statements, and no monthly service charge if balances of $500 are maintained. This account is free for Not-for-Profit organizations.
Home Business Savings is recommended for accounts with savings balances of less than $5,000. Interest is compounded and paid quarterly.
Combined Statements – Upon request, your checking and savings statements can be combined into one monthly statement.
Free Online Banking and Bill Pay – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our Bill Pay service.
Home Free Visa® Check Card – This card may be used as an ATM card or for point-of-sale purchase transactions.
Certificate of Deposit Bonus – We will add .10% over our normal competitive CD interest rate when you bring in new CD money and maintain a Home Made Business Checking account with us.
Business and Agriculture Loans* – Consolidate your business loans with Home National Bank.
Merchant Card Services* - Let us give you a quote!
*Available to qualified customers only
Home Free Business Package
is our simplest banking package and offers a free checking account and a variety of basic banking services.
Home Free Business Checking offers free checking with unlimited check writing, no monthly service charge and free safekeeping of checks. Online banking is available at no charge with optional Bill Pay service for only $3.00 per month.
Home Business Savings is recommended for accounts with saving balances of less than $5,000. Interest is compounded and paid quarterly.
Combined Statements – Upon request, your checking and savings statements can be combined into one monthly statement.
Free Online Banking – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our Bill Pay service for only $3.00 per month.
Home Free Visa® Check Card – This card may be used as an ATM card or for point-of-sale purchase transactions.
Business and Agriculture Loans* – Consolidate your business loans with Home National Bank.
Merchant Card Services* - Let us give you a quote!
*Available to qualified customers only
Home Plus Business Package
is for business customers who keep higher balances in the bank and want to receive higher interest rates on these funds.
Home Plus Business Checking is an interest bearing account available to business which qualify, and offers unlimited check writing and no monthly fee if a balance of $1,000 or higher is maintained. Online banking with free Bill Pay option is available. Interest will be compounded and paid monthly on all balances.
Home Tiered Business Savings is recommended for accounts with balances of $5,000 or greater. Interest rates are tiered and will increase as the balance in the account gets larger. Interest will be compounded and paid monthly on all balances.
Combined Statements – Upon request, your checking and savings statements can be combined into one monthly statement.
Free Online Banking and Bill Pay – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our Bill Pay service.
Home Free Visa® Check Card – This card may be used as an ATM card or for point-of-sale purchase transactions.
Certificate of Deposit Bonus – We’ll add .15% over our normal competitive CD interest rate when you bring in new CD money and have the Home Plus Business Checking account with us.
Business and Agriculture Loans* – Consolidate your business loans with Home National Bank.
Merchant Card Services* - Let us give you a quote!
*Available to qualified customers only
Home National Bank Business Checking Accounts
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Home Free Business Checking Home Made Business Checking Home Plus Business Checking |
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Home National Bank Business Savings Accounts
Home Business Savings is recommended for savings balances less than $5,000. Interest is compounded and paid quarterly.
Home Tiered Corporate Savings is recommended for balances of $5,000 and greater. Interest rates will be tiered and will increase as the balance in the account gets larger. Interest will be compounded and paid monthly on all balances.
Home Savings
• Recommended for balances of less than $5,000
• $20 minimum balance to open account
• Three withdrawals per month at no charge, excess withdrawal fee of $1.00 each after 3
• Interest will be compounded and paid quarterly on all balances
• See below for current rates or call 765-436-2222
Home Tiered Savings
• Recommended for balances of $5,000 or greater
• $20 minimum balance to open account
• Interest will be compounded and paid monthly on all balances
• See below for current rates or call 765-436-2222
Home National Bank Business Loans
Business Term Loans - Home National Bank provides commercial term loans to help finance machinery, equipment, real estate and more. We will work with you to customize the terms of the loans to help you accomplish your goals.
Business Lines of Credit - Revolving lines of credit for use as working capital are available from Home National Bank to ensure you always have the funds you need to make the right business decisions. When you determine that you need the money now, it will be available for you to draw upon.
Real Estate Financing - Home National Bank provides construction lending as well as permanent financing. We also do purchase financing and refinancing of current loans outstanding.
Agricultural and Farm Lending - Home National Bank provides both term financing and lines of credit for our agricultural customers. We learn about your individual circumstances and put together a solution that will meet your specific needs.
Automobile Financing - Borrow up to 90% of the value
of your vehicle which is five years old or newer. Terms range from 24-60
months. Loans above 90% can be made to those who qualify.
Home National Bank
Deposit Rates
Rates as of
7/1/2008
| Interest Rates | Annual Percentage Yield | |
| Home Plus Checking | 0.25% | 0.25% |
| Home Savings | 0.35% | 0.35% |
| Home Tiered Savings | ||
$ .01 - $4,999.99 |
0.25% | 0.25% |
$5,000.00 - $24,999.99 |
1.00% | 1.00% |
$25,000.00 - $49,999.99 |
1.50% | 1.51% |
$50,000.00 - $99,999.99 |
1.75% | 1.76% |
$100,000.00 and above |
2.00% | 2.01% |
The entire balance will earn the rate of the highest tier reached. For example a balance of $52,000.00 will earn 2.000% on the entire balance. |
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| Home Grown Kids Savings | 2.20% | 2.21% |
For children up to age 18 or 22 if a qualifying student. |
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Certificates
of Deposit
Rates as of
6/24/2008
Term |
Minimum Deposit |
Interest Rate |
Annual Percentage Yield |
| $1000 | 2.00% | 2.02 | |
| $1000 | 2.10% | 2.11% | |
| $1000 | 2.40% | 2.41% | |
| $1000 | 2.58% | 2.60% | |
| $1000 | 2.70% | 2.72% | |
| $1000 | 3.00% | 3.02% | |
| $1000 | 3.32% | 3.35% | |
| $1000 | 4.00% | 4.03% | |
| $1000 | 4.00% | 4.03% |
Call (765) 436-2222 for rates for CDs over $100,000.
Rates are subject to change.
Stop by or call (765) 436-2222 for the most current rates.
Home National Bank CD Specials
Rates as of
6/24/2008
| Term/Special | Minimum | Interest Rates | Annual Percentage Yield |
| 27 Month CD | $5,000 | 3.75% | 3.18% No Bonus |
| 11 Month CD | $5,000 | 3.25% | 3.30% No Bonus. |
Call (765) 436-2222 for rates for CDs over $100,000.
Rates are subject to change.
Stop by or call (765) 436-2222 for the most current rates.
Penalty for early CD withdrawal:
• CD maturing in 1 year or less – penalty is 3 months of interest
earned or would have been earned.
• CD maturing in over 1 year – penalty is 6 months of interest
earned or would have been earned.
Home Free Visa® Check Card or
Home National ATM Card
You may access your account(s) by ATM using your ATM and Personal Identification Number (PIN) or Visa® Check Card and Personal Identification Number (PIN) to:
• Get cash withdrawals from checking or savings account(s)•You may withdraw no more than $300 per day
•There is a charge of $1.00 per withdrawal at ATMs we do not operate
• Transfer funds from savings to checking account(s)
• Transfer funds from checking to savings account(s)
• Obtain information about:
•The account balance of your checking account(s)
•The account balance of your savings account(s)
Home Free Visa® Check Cards are issued with a preset limit of $500.00 per day on credit purchases (authorized by your signature) and $300.00 on PIN authorized transactions (which would include cash withdrawals.) Limits can be raised for larger purchases by contacting the bank.
Home National Bank Safe Deposit Rental
Size |
Price Per Year |
3 x 5 Box |
$15.00 |
5 x 5 Box |
$20.00 |
3 x 10 Box |
$25.00 |
5 x 10 Box |
$35.00 |
Home National Bank Service Charges
Service
charges that may be assessed against your account: |
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| Check Printing | Fee depends on style of checks ordered |
| Cashier’s Checks | $5.00 |
| Certified Checks | $4.00 |
| Personal Money Orders up to $250 | $1.25 |
| Paid Overdraft (Maximum 2 items charged per day) | $28.00 |
| Nonsufficient Funds (NSF) Item (Each) | $28.00 |
| NSF Daily Maximum Charge | $56.00 |
| Stop Payments | $20.00 |
| Domestic Wire Transfers | |
| Outgoing | $12.00 |
| Incoming | $10.00 |
| Foreign Wire Transfers | Call 765-436-2222 for Current Rates |
| Statement History (by hour with $10 minimum charge) | $20.00 |
| Balance Statements (by hour with $5 minimum charge) | $10.00 |
Home
National Bank Online Banking
Enjoy the convenience of 24 hour access to your bank accounts. With our secure system, you can take advantage of all the features Online Banking offers:
- Secure access to all your HNB accounts
- Transfers between HNB checking & savings accounts
- CheckFree Bill Pay option available at no charge to HomePlus Pak and HomeMade Pak checking customers. HomeFree Pak customers will be charged $3.00 per month for Bill Pay.
- Loan payments to your HNB loan accounts
- Secure email allows you to send inquiries directly to bank personnel
- Online stop payments requests
- Online check reorders
- Download Account Information to Microsoft Money Software
"Home National Bank has helped us every step of the way in expanding our business here in Boone County. When we needed financing to grow our business, Home National was there. We can’t say enough good things about our bank….they’re our friends as well as our bankers.."
-Elmer & Helen Parks, Culligan Water Cond. Of Boone Co.
