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Personal

Personal Checking

HNB offers several checking account options to fit every need. All deposits are fully insured by the FDIC.

 

Personal Checking

  • Unlimited check writing
  • Unlimited deposits
  • $200 minimum deposit to open
  • Service charge based on your account balance
    • $600 & up: Complimentary
    • $400 – $599: $7
    • $200 – $399 : $8
    • $0 – $199 : $9

 

Golden Years

  • Must be 60 years of age or older
  • No service charge
  • Unlimited check writing
  • Unlimited deposits
  • $200 minimum deposit to open
  • Complimentary cashiers checks – Limit 3 per visit
  • Complimentary money orders – Limit 3 per visit
  • Complimentary wallet type personalized checks

 

Masters Checking

  • Unlimited check writing
  • Unlimited deposits
  • $200 minimum deposit to open
  • Complimentary wallet type personalized checks
  • Complimentary cashier’s checks – limit 3 per visit
  • Complimentary money orders – limit 3 per visit
  • Complimentary on traveler’s checks
  • Accidental Death Insurance:
    • Single Person – $10,000 coverage for $8.00 per month fee.
    • Family Coverage Option I – $10,000 on male and $10,000 on female for $11.00 per month fee
    • Family Coverage Option II – $15,000 on male and $15,000 on female and $2,500 on each child for $11.00 per month fee

 

Student Account

  • No service charge
  • Unlimited check writing
  • Unlimited deposits
  • $200 minimum deposit to open
  • Must be full time student
  • Up to 21 years of age.

 

Now Account

  • Rate changes at Bank’s discretion
  • Open to individuals, sole proprietorships, and non-profit organizations
  • Unlimited check writing
  • Unlimited deposits
  • $600 minimum deposit
  • $10.00 service charge if balance falls below $600

 

Super Now Account

  • An initial deposit of no less than $1,000
  • $10.00 service charge if balance falls below $1,000
  • Unlimited deposits
  • Rate changes at Bank’s discretion
  • Interest paid monthly
  • Unlimited check writing

 

Super Investor/Money Market Account

  • $1,000 minimum deposit
  • Unlimited deposits
  • Money market rates with daily access to your money
  • No more than six pre-authorized, automatic or other third-party transfers per month of which no more than three (3) can be checks
  • Service charge of $10.00 will be charged if balance falls below $1,000
  • Rates change at Bank’s discretion
  • Interest will be paid monthly

 

All deposit accounts are insured up to $250,000 by the FDIC.


Personal Savings

HNB offers savings options to fit every need. All deposits are fully insured by the FDIC.

Whether your goal is to save for some future expense or you’re trying to estimate a proper savings plan for achieving future security upon retirement, we have calculators to help you estimate a proper savings plan. Even the kids are encouraged to save!

 

Savings Plan

Retirement Planning

Kids Plan

Regular Savings

  • Competitive interest rate compounded quarterly
  • $200 minimum
  • Service charge of $10.00 per quarter will be applied to accounts with minimum balance below $300
  • Withdrawal fee of $0.50 will be charged for each withdrawal in excess of 12 during the quarter
    • Fee will be applied if withdrawals/transfers exceed 6 in a statement cycle

 

Certificates of Deposit

Our CDs are designed to give you the most competitive interest rates available… combined with the safety and security you associate with this popular investment. And, for your convenience, we offer many options, including a broad range of maturity dates.

Penalties may apply for early withdrawals.

All deposit accounts are insured up to $250,000 by the FDIC.


Personal Loans

HNB takes pride in our loan department staff and the service we provide. You are assured of receiving individual concerned interest toward your loan request.

HNB provides the following types of personal loans:

  • Personal
  • Auto
  • Recreational Vehicle
  • Home Improvement

 

Credit Life

If you desire, you may add credit life insurance to your consumer loan to provide additional financial security. This low-cost insurance may be purchased at the time you complete your loan transaction.