Rates effective as of 1/21/2026
APY = Annual Percentage Yield
Fees may reduce earnings.
Rates are subject to change at any time.
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NEW Preferred Rewards & Smart Rewards Checking
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| NEW Preferred Rewards Checking | NEW Smart Rewards Checking | 360 Cash Checking | 360 Cash Back Checking | Hometown Checking | |
|---|---|---|---|---|---|
| Minimum Deposit to Open | $50 | $50 | $50 | $50 | $50 |
| Earns Interest | *Yes 2.50% APY on balances up to $25,000, 0.25% APY on portion of balance over $25,000, 0.05% APY on entire balance if qualifications are not met | *No, earns up to $5 cash back per monthly cycle when qualifications are met | *Yes 2.50% APY on balances up to $25,000, 0.25% APY on portion of balance over $25,000, 0.05% APY on entire balance if qualifications are not met | *No, earns up to $5 cash back per monthly cycle when qualifications are met | Yes for Balance > = $500.00 |
| Minimum Balance to Avoid Service Charge | N/A | N/A | $100 daily balance | $100 daily balance | $100 daily balance |
| Monthly Service Charge | $6.95 | $6.95 | $2 | $2 | $2 |
| Per Check Withdrawal Charge | No | No | No | No | No |
| Online Banking Access | Yes | Yes | Yes | Yes | Yes |
| Online Bill Pay Fee | Free | Free | Free | Free |
Free |
| "Auto Teller" Telephone Banking at No Charge | Yes | Yes | Yes | Yes | Yes |
| Monthly Statement with Check Safekeeping | Yes | Yes | Yes | Yes |
Yes |
| Home Loan Checks Provided at No Charge | No | No | No | No | First Order Free |
| Debit Card | Yes | Yes | Yes | Yes | Yes |
| Cashier Checks at No Charge | No | No | No | No |
No |
| Fees charged for withdrawals from non-Home Loan ATMs** | Yes | Yes | Yes | Yes | Yes |
| Annual Fee Waived on Overdraft Protection | No | No | No | No |
No |
| Small Safe Deposit Box Annual Fee | $50 | $50 | $50 | $50 |
$50 |
| Incoming Wire Transfers | $20 | $20 | $20 | $20 |
$20 |
| Can an Individual Open This Account? | Yes | Yes | Yes | Yes |
Yes |
| Can a Business Open This Account | No | No | No | No |
No |
| Can a Non-Profit Open This Account | No | No | No | No |
No |
*Must enroll in eStatements or pay the $3 paper statement fee, login once to online banking, and make 12 debit card purchases per monthly cycle to meet qualifications.
**Other banks may apply fees.
***Subject to credit approval.
****Subject to availability.
+ For additional disclosure information please refer to the Account Rules and Regulations provided upon request at any of our banking centers