Checking

Basic Banking Checking

Open your account with $25.00. Basic Checking lets you write up to 15 checks each month and offers 24-hour online access to your account plus monthly statements, digitized check images and an ATM card.

• Minimum balance to maintain account $.01
• $3.00 a monthly fee
• Non-Interest bearing account

Now Checking

Open your account with $500.00. Now Checking provides all of the features of Personal Checking, plus you will earn interest if your daily balance is $500.00 or more. There's no service charge if you have Direct Deposit. Additional features include digitized check images, and an ATM/Visa® debit card and access to 24-Hour Online Banking.

• No Service Charge if account receives Direct Deposit otherwise
• $5.00 monthly fee if daily balance falls below $500.00 during cycle

Personal Checking

Personal Checking lets you write unlimited checks when you open your account with a minimum balance of $100.00 and pay no monthly fee if your account receives Direct Deposit. You also receive the benefits of 24-hour online access, monthly statements and digitized check images plus ATM/Visa® debit card.

• No Service Charge if account receives Direct Deposit otherwise
• $5.00 monthly fee if daily balance falls below $100.00 during cycle
• Non-interest bearing account

Senior Checking

Enjoy the benefits of our NOW Checking account in a way that works best for seniors with lower balance requirements. Your first orders of custom designed checks (150) are free and interest is paid on balances above $300. You also receive the benefits of 24-Hour Online access, monthly statements and digitized check images plus ATM/Visa® debit card.

• Must be 55 years of age
• $300.00 minimum balance to open account
• No Service Charge if account receives Direct Deposit otherwise $3.00 each cycle if the balance is below $300.

College Checking

Available exclusively to active students, College Checking provides benefits that make managing your money easy. It's free with a valid college ID for those 18-24 years of age. You also receive the benefits of 24-hour online access, monthly statements and digitized check images plus an ATM/Visa® debit card.

• $50.00 minimum balance to open account
• Account will automatically convert to personal checking upon reaching age 24
• No transfer fee from a parents' account at HCB
• No service charge