Personal Checking

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Regular Checking

Minimum Balance to Open	$100.00
Minimum Daily Balance to Avoid Monthly Charge	$500.00
Monthly Service Charge	$7.00
Features:	1) Funds Available by Check, ATM, or Check Card 2) No Monthly Service Charge If Minimum Balance is maintained. 3) No Service Charge For Students, Church Related Accounts, Clubs Or Non-Profit Organizations 4) Unlimited Deposits & Check writing at no additional charge. 5) Descriptive monthly statement with imaged deposits and checks returned to customer. 6) Ability to automatically transfer funds between accounts including loan payments. 7) Insured by FDIC

Now Account

Minimum Balance to Open	$1,000.00
Minimum Balance to Avoid Monthly Service Charge	$1000.00
Minimum Balance to Maintain Interest	$500.00
Monthly Service Charge	$7.50
Features:	1) Funds Available by Check, ATM, or Check Card 2) Interest bearing account 3) No Monthly Service Charge If Minimum Balance is maintained 4) Unlimited Deposits & Check writing at no additional charge 5) Descriptive monthly statement with imaged deposits and checks returned to customer 6) Ability to automatically transfer funds between accounts including loan payments 7) Interest credited to account monthly 8) Earns simple interest on balance 9) Can be tied to a Hometown account for additional benefits 10) Insured by FDIC

Hometown Direct Advantage

Minimum Balance to Open	$100.00
Payroll Direct Deposit Only
Features:	1) Funds Available by Check, ATM, or Check Card 2) No Monthly Service Charge or Minimum Balance Requirement 3) First order of checks free. 4) $2.50 annual safe deposit box discount if payment is automatically deducted from account 5) Unlimited deposits and check writing at no additional fee per item. 6) Descriptive monthly statement with imaged deposits and checks returned to customer. 7) Ability to automatically transfer funds between accounts including loan payments. 8) Insured by FDIC

Hometown Advantage

Minimum Balance to Open	$100.00
Monthly Service Charge	$7.50
Features:	1) Funds Available by Check, ATM, or Check Card 2) Monthly charge is the same each month 3) Descriptive monthly statement with imaged deposits and checks returned to customer. 4) Ability to automatically transfer funds between accounts including loan payments. 5) $10,000 Accidental Death & Dismemberment insurance coverage. 6) Unlimited deposits and check writing at no additional fee per item. 7) Insured by FDIC 8) Hometown checking checks at no cost. 9) Half price on custom check styles through Clarke American 10) Credit Card Protection 11) Key ring Protection 12) Travel & entertainment discounts 13) Can be tied to a NOW Account

Hometown Advantage Plus

Minimum Balance to Open	$100.00
Monthly Service Charge	$9.50
Features:	1) All features included in the Hometown Advantage. 2) $20,000 Accidental Death & Dismemberment insurance coverage that increases to $45,000 when traveling on a scheduled airline. 3) $2,500 ADI for each dependant child 4) Kid-care child ID Program 5) Grocery Coupons

Hometown Advantage 50

Minimum Balance to Open	$100.00
Minimum Balance to Avoid Monthly Service Charge	$100.00
Monthly Service Charge	$7.00
Features:	1) Funds Available by Check, ATM, or Check Card 2) No Monthly Service Charge If Minimum Balance is maintained 3) Open to all individuals over the age of 50 4) Unlimited deposits and check writing at no additional fee per item. 5) Descriptive monthly statement with imaged deposits and checks returned to customer. 6) Travel & Entertainment discounts 7) Custom trip routing 8) Ability to automatically transfer funds between accounts including loan payments. 9) $50,000 Common carrier Accidental Death Insurance when traveling by a licensed common carrier. 10) First order of Hometown Checking account checks free. 11) Credit Card protection 12) Key ring protection- helps to retrieve lost keys. 13) Insured by the FDIC 14) Can be tied to a NOW Account

Hometown Advantage Fabulous 50

Minimum Balance to Open	$100.00
Monthly Service Charge	$4.00
Features:	1) All of the features included in the Hometown Advantage 50 section (except service charge waive for maintaining minimum balance) 2) Charge is the same each month. 3) $10,000 Accidental death insurance coverage.  (Reduced 50% at age 70) 4) $100,000 Common Carrier- Accidental Death Insurance. 5) Hometown Advantage Fabulous Fifty checks at no cost. 6) Half price on custom check styles through Clarke American 7) Asset Organizer 8) Medical emergency Data Card 9) Grocery Coupons

Money Market Checking

Minimum Balance to Open	$2,500.00
Minimum Balance to Avoid Monthly Service Charge	$2500.00
Minimum Balance to Maintain Interest	$1000.00
Monthly Service Charge	$12.50
Transactions per Statement Cycle (monthly 3rd party checks limited to 3)	6
Per Check Charge For Excessive Withdrawal	$1.00
Features:	1) Funds available on a limited basis by check 2) No Monthly Service Charge if minimum balance is maintained. 3) Interest bearing account 4) Descriptive monthly statement with imaged deposits and checks returned to customer. 5) Ability to automatically transfer funds between accounts including loan payments. 6) Interest credited to account monthly 7) Earns simple interest on balance 8) Insured by the FDIC