Checking, NOW, & Money Market

Small Business Checking

Grow your business without minimum balance requirements or monthly maintenance fees*!

The following services are provided without fees:

  • Processing checks or direct debits
  • Processing in-person, night or direct deposits
  • VISA® Debit Cards (maximum of 2)
  • Processing Automatic Funds Transfers (AFTs)
  • Processing Automated Clearing House (ACH) transactions
  • Night Deposit Service (bag and key included)
  • HNB Online Banking with QuickBooks® and Quicken® download access
  • Online Bill Payment Service
  • eDocs Statements & Notices
  • 24-Hour Telephone Banking Service
  • Bank By Mail
  • Coin and Currency Service

*Fees are incurred for transactions drawn against insufficient funds.  National chains and high volume businesses may be subject to monthly maintenance fees.
Other business services, some with associated fees, are available with this account.

N.O.W. Accounts (Sole Proprietors Only)

  • Earn the current interest rate
  • Enjoy all the benefits of HNB Free Business Checking listed above.
  • A $5.00 service charge is assessed on accounts falling below $1000.00 per statement cycle.
  • Fees could reduce earnings.
  • Other business services are also available on this account.

Money Market Deposit Accounts (MMDA)

  • Tiered interest is paid on all balances.
  • Minimum balance of $1,000.00 will avoid a the $5.00 monthly service charge.
  • Fees could reduce earnings.
  • Interest is accrued daily, credited & compounded monthly.
  • Interest rate may change daily, with no maximum or minimum.
  • Enjoy all the benefits of HNB Free Business Checking listed above.
  • Immediate access to all collected funds.
  • Unlimited number of transfers or withdrawals made in person.
  • Maximum of six (6), 3rd party withdrawals or transfers per statement cycle.
  • Other business services are available on this account.

Investors Advantage MMDA

This account is a tiered MMDA that earns higher rates of interest for higher balances with the same terms and transaction limitations as regular MMDA.

9 Balance Tiers:
Less than $2,500
$2,500 or greater, but less than $10,000
$10,000 or greater, but less than $25,000
$25,000 or greater, but less than $50,000
$50,000 or greater, but less than $100,000
$100,000 or greater, but less than $250,000
$250,000 or greater, but less than $500,000
$500,000 or greater, but less than $1,000,000
$1,000,000 or greater
(When each level is reached, that rate is earned on the entire balance)

Fees could reduce earnings.
Other business services are available on this account.


CLICK HERE FOR CURRENT NOW & MMDA RATES


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