Personal Accounts

Personal Checking Accounts

Home Free  Home Green  Home Plus  Home Grand 55 
• $50 minimum
  opening deposit
  (waived with direct deposit)
• $100 minimum
  opening deposit
  (waived with direct deposit)
• $1,000 minimum
  opening deposit
  (waived with direct deposit)
• $1,000 minimum
  opening deposit
  (waived with direct deposit)
• No minimum balance
• No monthly service charge
• No minimum balance
• No monthly service charge
• Maintain $1,000
  minimum balance
  or $10/month service charge
• Maintain $1,000
  minimum balance
  or $12/month service charge
  or have direct deposit
  into account
    • Interest bearing account*** • Pays tiered interest
  on all balances***
• Visa check card included
  with free access 
to 
  Fifth Third Bank ATMs
• Visa check card included
  with free access 
to 
  Fifth Third Bank ATMs
• Visa check card included
  with free access 
to 
  Fifth Third Bank ATMs
• Visa check card included
  with free access 
to 
  Fifth Third Bank ATMs
• Unlimited check writing • Unlimited check writing • Unlimited check writing • Unlimited check writing
• Monthly image statements
  (Online available)
• Online monthly statements • Monthly image statements
  (Online available)
• Monthly image statements
  (Online available)
  • Earn $0.30 on Check Card
  purchases of $25 or more
   
• Prewards included • Prewards included • Prewards included • Prewards included
• Online Banking and
  Bill Pay included
• Online Banking and
  Bill Pay included
• Online Banking and
  Bill Pay included
• Online Banking and
  Bill Pay included
• Mobile Capture included* • Mobile Capture included* • Mobile Capture included* • Mobile Capture included*
• Overdraft Services included* • Overdraft Services included* • Overdraft Services included* • Overdraft Services included*
      • Club checks included or
   discount on upgrade
      • No fees for Cashier's Checks,
  Money Orders, and Gift Cards
      • 3×5 safe deposit box or credit
  on larger box
  • 0.10% addition to
  standard CD rates**
• 0.15% addition to
  standard CD rates**
• 0.15% addition to
  standard CD rates**

*Upon qualification.
**CD Bonus is for new money only and may not be added to other CD specials.
***Call or click for current rates.


Personal Savings Accounts

  Home Savings Home Tiered Home Grown Kids Club* HomeGrown Kids Plus*
  Recommended for Savings Balances Less Than $5,000 Recommended for Balances of $5,000 or Greater All Youth Up To 18 Years of Age or 22 with Proof of Student Status are Eligible Youth Ages 15 to 18 Years of Age or 22 with Proof of Student Status and Home Green Checking are Eligible
Minimum Balance to Open Account $20 $1,000 $10 $10
Interest Compounded and Paid Quarterly Compounded and Paid Monthly Compounded and Paid Quarterly Compounded and Paid Quarterly
Tiered Interest Rates   X    
Number of No Fee Withdrawals Per Month
*$1.00 per withdrawal after the first 3
3   3 3

* Youth savings accounts presently with HNB may be converted to a Home Grown Kids' Club or a HomeGrown Kids' Plus account by visiting an HNB Customer Service Representative to complete the necessary paperwork. All present account holders converting will receive a free HNB piggy bank.

Per federal regulations, certain transactions are limited on savings accounts. You are allowed 6 limited transactions per month. Any account that is habitually over the allowable amount is subject to closure. Limited transactions include: Transfers made through Online Banking, ACH (example Lebanon Sports & Fitness monthly fees), Drafts (some businesses send a draft instead of ACH), and Debit Card point of sale transactions.

 


Health Savings Accounts

We are please to offer Health Savings Accounts (HSA) to our customers who qualify under a a qualified High Deductible Insurance Plan. Our HSAs are administered through Alliance Benefit Group (ABG). ABG is a large employee benefits firm that Home National uses for our employee's 401k program. We can recommend them to our customers since we know they provide excellent service.

ABG has experts on HSAs available to us and our customers through an agreement we have negotiated with them. HSAs require that an account holder have an on-line connection with email for statement delivery.

Please contact Eric or Dan for additional information about HSAs or click on the following link:

https://myhsacom.ipower.com/openmyhsa.php?client=HSA&referral=HNB

If you have already set up a Health Savings Account through ABG, click here to reach their customer website.

 


Christmas Club Accounts

A special savings account is available to help you save for Christmas – the HNB Christmas Club account.

You can schedule a transfer at the interval of your choice from your checking or regular savings account to a Christmas Club account for any amount that you'd like. The total amount you save is either moved back into your checking account in late October or a check for the amount is mailed to you.

Take some of the stress out of the holidays by saving all year long. Ask one of our Customer Service Representatives about opening a Christmas Club account.