Do you offer a credit card?
Our credit card is issued from us, your community bank, not one of the big
national credit card companies. It comes with a NO ANNUAL FEE, a competitive
interest rate, and no hidden fees. We even have a rewards program where you
earn one Reward Point for every dollar you spend. We also provide online
account access and fraud protection for your peace-of-mind.
What is a cashier's check?
A cashier's check
(also known as a cashier's cheque, bank check, official check, teller's check,
bank draft or treasurer's check) is a check guaranteed by a bank. They are
usually treated as cash since most banks clear them instantly.
How do I obtain a cashier's check?
local financial center to request a cashier's check.
What is a Savings Bond?
A Savings Bond is a
certificate of debt issued by the government that guarantees payment of the
original debt plus interest after a specified future date. Series EE bonds are
purchased at half of the face value, and Series I bonds are purchased at face
What is a Home Equity Loan?
A Home Equity Loan is a loan that borrows against the equity in your
home. Interest rates are about half the cost of credit cards. Unlike credit
card debt, interest on the first $100,000 of a home-equity line generally is
What is a Certificate of Deposit?
A Certificate of Deposit or commonly referred to as
a CD, is a certificate issued by a financial institution confirming a
particular deposit. A CD has a maturity date, a specified interest rate, and
can be issued in any denomination.
What is a Health Savings Account?
Health Savings Accounts (HSA) give
consumers another option for managing the high costs of health care. HSAs give
consumers more control over their money by allowing consumers to invest their
money for current and future medical expenses and have it grow tax-free. Unlike
flexible spending accounts, which are controlled by employers and have a
use-it-or-lose-it feature, HSAs are portable and belong to the consumer for
life. Small businesses are especially well served by HSAs. Traditional health
care insurance is often too expensive for small businesses to offer. With a
high-deductible plan and corresponding HSA, business owners can offer employees
the health care security they need.
What is Overdraft Protection and why do I need it?
We have busy lives
and some time mistakes just happen. Instead of getting charged for bouncing a
check, with Cash Reserve we will cover the check for you. Cash Reserve is an
instant loan and if you pay off quickly it is usually less expensive than the
bounced check fee. So sign up today and protect yourself from the inconvenience
of an overdrawn account.
What is Direct Connect?
Our Direct Connect service allows you to
conveniently access your accounts directly through your Quicken or QuickBooks
software in order to download account activity and complete account
How will I know if my check has been deposited?
Online banking customers can view deposits and
withdrawals with banking@home.
How do I enroll in Online Bankin?
You can self-register for Online Banking
services by clicking Enroll in the Account Login widget on the Home
How does Deposits and Holds Work?
When you make a deposit to your account, we most often
make the deposited funds available the next business day. But some times, we
place a hold on a deposit which means you may not have access to those funds as
soon as you expected.
The availability of funds depends on a number
of factors, including how, when and where you made the deposit.
When you deposit cash with a teller, funds are usually available immediately
if the deposit was made before the cut-off time.
If you make a deposit at
an ATM or if you deposited a check written to you.
What is a Memo Post?
A memo post is a
transaction that has not yet posted, but is temporarily included in the current
day's available balance until the nightly ledger update. The transaction is
processed and cleared for the next day.
Is an eStatement different than my paper statement?
eStatement contains the exact information that the paper statement you receive
in the mail. With an image statement, instead of the actual check, there will
be a picture of each check you have written for the month. Feedback from imaged
checking customers indicates that checkbook reconciliations is much easier and