Non-Interest Bearing Accounts

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institution to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you come to the bank to open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying documents.

Certification of Beneficial Owners of Legal Entities Form


For a complete list of documentation necessary from the customer to open Business Accounts, please click here.


Small Business Checking

  • Minimum to open:  $100.00
  • Monthly balance fee:
    – Minimum balance $100 and over : No fee
    – Minimum balance $100 : $15.00
    – *150 free items each month, each additional item  $.50
  • Receive check images with monthly statement
  • Free MasterCard Debit Card with no annual fee
  • Free online banking
  • Free online bill pay
  • Basic Cash Management Services

*(Item – total of debits, credits, and deposited items)


HomeTown Business Checking

  • Minimum to open:  $100.00
  • Monthly balance fee:
    – Minimum average daily balance $5,000 and over: No fee
    – Minimum average daily balance under $5,000: $25.00
    (Minimum must be met within 3 statement cycles)
  • *300 free items each month, each additional item:  $.50
  • Receive check images with monthly statement
  • Free MasterCard Debit Card with no annual fee
  • Free online banking
  • Free online bill pay
  • Basic Cash Management Services

*(Item – total of debits, credits, and deposited items)


Analyzed Business Checking

Account analysis gives you an earnings credit (calculated on average balance less reserve requirements) based on current money market rate that can offset all or a portion of your monthly service charge. 

  • Minimum to open:  $200.00
  • Monthly Account Maintenance : $7.50
  • Per item deposited:  $.10
  • Per debit paid:  $.15
  • Unlimited check writing
  • Unlimited transactions
  • Free MasterCard Debit Card with no annual fee
  • Free online banking
  • Free online bill pay
  • Basic Cash Management Services

Non-Profit Organization Checking

  • Minimum to open:  $200.00
  • Monthly balance fee:
    – Minimum balance $200 and over :  No fee
    – Minimum balance under $200 :  $2.00
  • Unlimited check writing
  • Unlimited transactions
  • Free MasterCard Debit Card with no annual fee
  • Free online banking
  • Free online bill pay
  • Basic Cash Management Services
  • Receive check images with monthly statement