Personal

Personal Services

Hometown Bank offers the financial services to make your life easier and less complicated. We offer a wide variety of personal checking and savings accounts to meet your needs, and each has specific benefits to fit your lifestyle—and give you a financial advantage. Let us help you choose the right combination of accounts that fit your needs.

 

Checking


Home-E Checking

This account makes banking simple with no monthly fee.

  • Minimum opening balance $50
  • No minimum balance
  • Internet banking and bill pay
  • ATM/debit card
  • Unlimited check writing
  • e-Statements Only

Hometown Classic Checking

  • Minimum opening balance $50
  • Earns interest on maintained daily balances of $500 and over. Interest accrues daily. Interest is compounded monthly.
  • $7 monthly fee waived if you maintain a $500 daily balance or are age 62 and over.
  • Internet banking & bill pay
  • ATM/debit card
  • Unlimited check writing
  • Image statement

Hometown Varsity Club

For those age 55 and over

  • Minimum opening balance $1,000
  • Earns interest on maintained daily balances of $1,000 and over. Interest accrues daily. Interest is compounded monthly.
  • $10 monthly fee waived if you maintain a $1,000 daily balance
  • Internet banking & bill pay
  • ATM/debit card
  • Unlimited check writing
  • Personalized Club Checks at no charge
  • Image statement
  • Notary service at no charge
  • Stop Payments at no charge
  • Copies at no charge
  • Newsletter
  • Travel Discounts, luncheons and more

Hometown Investment  Account

Interest bearing checking account with tiered interest rates

  • Minimum opening balance $2,500
  • Earns interest on maintained daily balances of $2,500 and over. Interest accrues daily. Interest is compounded monthly.
  • $10 monthly fee waived if you maintain a $2,500 daily balance
  • Internet banking & Bill Pay
  • Interest Bearing Checking with Tiered Interest Rates
  • Interest based on balance tiers
    • $2,500.00-$9,999.99
    • $10,000.00-$24,999.99
    • $25,000.00-$49,999.99
    • $50,000 and above
  • Image statement
  • Unlimited check writing

 

Savings


Hometown Round Up Savings

  • An easy way to save money and balance your checkbook by rounding up all debit card purchases to the next dollar. All you need is a Hometown Bank personal checking account, Hometown Bank Visa debit card and a Hometown Bank personal savings account.
  • When you make a purchase with your Hometown Bank debit card, the amount will automatically be rounded up to the next whole dollar. The difference will be automatically deposited into your Hometown Bank savings account.

Hometown Savings Account

  • Minimum opening balance $25
  • No minimum monthly balance. Earns interest on all maintained daily balances of .01 and over. Interest will be compounded quarterly.  Interest will be credited quarterly.
  • Internet banking
  • 6 withdrawals per quarter with no fee. $2 fee for each withdrawal over 6 per quarter
  • Detailed quarterly statement or can be combined with your checking account statement to receive it monthly.

Hometown All-Stars

For pre-school thru grade 12

  • Minimum opening balance $1.00
  • Receive $1.00 per "A" up to a maximum of $10.00
  • You must present your report card within 30 days of the current grading period date.
  • Money received from grades must be deposited into the All-Stars account and cannot be withdrawn for 24 months.
  • A 24 month hold will be placed on each bonus deposit made by the Bank on behalf of the student.
  • No minimum monthly balance. Earns interest on all maintained daily balances of .01 and over. Interest will be compounded quarterly.  Interest will be credited quarterly.
  • Interest rate .02% -- Annual Percentage Yield .02% --- Rate and APY accurate as of 8/18/16; the rate may change after opening; fees could reduce earnings.
  • 6 withdrawals per quarter with no fee. $2 fee for each withdrawal over 6 per quarter
  • Quarterly statement

Christmas Club account

  • Minimum opening balance $5
  • No monthly maintenance fee
  • Deposits may be made into the account or automatically deducted from your Hometown Bank checking account in any increments you wish.
  • Interest will be compounded annually.  Interest will be credited annually.  Interest is forfeited if account closes before maturity, and a $30 service fee may be imposed.
  • A partial withdrawal may be made before maturity and a $15.00 fee per withdrawal may be imposed.
  • At maturity, the balance, including accrued interest, will be mailed to you by check, or can be deposited into your Hometown Bank accounts.
  • Interest will not accrue on balances over $2,500
  • If your account has a balance less then $3.00 at the end of the club year, you will forfeit the balance in the account and any accrued interest.
  • Club year runs October 1st 2016 - October 10th 2017.

Vacation Club Account

  • Minimum opening balance $5
  • No monthly maintenance fee
  • Deposits may be made into the account or automatically deducted from your Hometown Bank checking account in any increments you wish.
  • Interest will be compounded annually.  Interest will be credited annually. Interest is forfeited if account closes before maturity, and a $30 service fee may be imposed.
  • A partial withdrawal may be made before maturity and a $15.00 fee per withdrawal may be imposed.
  • At maturity, the balance, including accrued interest, will be mailed to you by check, or can be deposited into your Hometown Bank accounts.
  • Interest will not accrue on balances over $2,500
  • If your account has a balance less then $3.00 at the end of the club year, you will forfeit the balance in the account and any accrued interest.
  • Club year runs April 1st - March 15th.

Certificates of Deposit

We offer federally insured, fixed-rate Certificates of Deposits with terms of 30 days to 60 months.


Individual Retirement Accounts

  • Plan for retirement with a federally insured IRA.
  • Traditional IRA –Terms of 6 months to 60 months
  • Roth – 1 & 5 year terms

Other Services


  • Safe Deposit Boxes
  • ATMs
  • Direct Deposit
  • Wire Transfer
  • Night Depository
  • Drive-Thru

24 Hour Phone Banking
1-877-524-2632

Get information on all your accounts 24 hours a day, seven days a week. Check balances, track cleared checks, transfer funds between accounts and more.


Home (Internet) Banking

Bank securely whenever you want, from anywhere in Kentucky or the world where you have Internet access. It's simple, fast, safe, and secure.  Bank from home, from your office, on the road or on vacation. Your account information is protected by the most advanced and secure Internet banking technology.

  • Transfer funds between Hometown Bank accounts
  • Internet bill pay—Save time and money!
  • Track checks that have cleared accounts
  • Transfer funds to pay your Hometown Bank loans
  • Download information to Intuit ® Quicken or QuickBooks
  • Check account activity
  • Mobile Banking

 


Visa® Debit/ATM Card

The Hometown Bank Visa® Debit Card gives you the power of cash with the safety of a debit card. Present your Hometown Bank Visa® Debit Card to any merchant who accepts Visa®, and your purchase amounts are deducted from your checking account and detailed on your monthly statement. Your Hometown Bank Visa® Debit Card is also your 24 ATM card, so you can access cash and your account at most ATM machines worldwide.