Checking

HNB's Personal Checking Account options make managing your daily spending and banking needs easy and convenient. We offer several account options to provide you with the resources that best suit your banking needs and your lifestyle.

Open an Account

Visit one of our office locations to open your account today!

Switch your accounts to HNB

HNB Perks

We're not just about helping you do your banking, we want you to make the most of every day and support your every need. Learn more about all of the benefits available to HNB Select and Premier Checking account holders through HNB Perks powered by BaZing!
 
 

Reorder Checks

Reorder Checks quickly and easily online if you do not have an address or name change and know the next starting check number for your reorder. You may also place an order through HNB Online Banking

HNB Premier Checking customers may take advantage of their annual complementary box of basic checks or discount on specialty checks by contacting their local HNB Office or calling 1-800-462-9515.


man shopping for apples at grocery store
HNB PREMIER CHECKING

Features and Benefits:

Anywhere Banking Tools:
 
Shop Local, Save Local with BaZing Savings
  • Local discounts and national retailer deals to save you money on shopping, dining, travel and more. 
Cell Phone Protection 1,2
  • Receive up to $600 per claim ($1,200 per year) if your cell phone is broken or stolen. 
ID Theft Aid 1,2
  • 1B Credit Monitoring
  • Credit Report and Credit Score: get a free quarterly credit report and quarterly updated credit score
  • Fraud Resolution: receive expert help on fraud resolution if you become a  victim of identity theft
  • $10,000 Personal Identity Theft Benefit1,2
Roadside Assistance
  • Available 24/7 and free to use, up to $80 in covered service charges.
$25,000 Accidental Death Coverage 2
  • You're covered for accidental death should the unexpected happen. 
Health Savings Card
  • Save money on prescriptions, eye exams, frames, lenses and hearing services.
Buyer's Protection and Extended Warranty 1,2
  • Newly purchased items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, plus one year extended warranty. 
$700 Overdraft Privilege
  • For qualified account holders. Limits apply. 
Additional Banking Benefits
  • Free consultation with HNB Wealth Management
  • Safekeeping of wills
  • No fee for Money Orders and Cashiers Checks. Limits apply.  
 

Account Requirements:

  • $8 monthly service charge
 

Recommended Products and Services:

 
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HNB SELECT CHECKING

Features and Benefits:

 
Anywhere Banking Tools:
 
Shop Local, Save Local with BaZing Savings
  • Local discounts and national retail deals to save you money on shopping, dining, travel and more. 
Cell Phone Protection 1,2
  • Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen. 
ID Theft Aid 1,2
  • Includes payment card fraud resolution, $5,000 in personal identity theft benefit and identity restoration.
Roadside Assistance
  • Available 24/7 and free to use, up to $80 in covered service charges.
$10,000 Travel Accidental Death Coverage 2
  • Peace of mind for the unexpected
Health Savings Card
  • Save money on prescriptions, eye exams, frames, lenses and hearing services.
Buyer's Protection and Extended Warranty 1,2
  • Newly purchased items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, plus one year extended warranty. 
$500 Overdraft Privilege
  • For qualified account holders. Limits apply.
 

Account Requirements:

  • $5 monthly service charge
 

Recommended Products and Services:

 
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HNB ESSENTIAL CHECKING

Features and Benefits:

 
Anywhere Banking Tools:
 
ID Theft Aid 1,2
  • Includes payment card fraud resolution, $1,000 in personal identity theft benefit and identity restoration
Buyer's Protection and Extended Warranty 1,2
  • Newly purchased items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 90 days of purchase, plus one year extended warranty. 
$300 Overdraft Privilege
  • For qualified account holders. Limits apply.
 

Account Requirements:

  • $2 monthly service charge
  • To avoid the $2 monthly service charge, account holder must be the age of 55 or older, maintain a $100 minimum balance, or enroll in eStatements. 
 

Recommended Products and Services:

 
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interest checking

Features and Benefits:

 

Account Requirements:

  • $1,000 minimum daily account balance to waive $5 monthly service fee4
 

Recommended Products and Services:

MONEY MARKET DEPOSIT

Features and Benefits:

  • Check writing (Limits may apply)
  • Online Banking
  • Mobile Banking with Mobile Deposit
  • VISA® ATM Card
  • Telephone Banking
  • eStatements and Notices available
  • Unlimited transfers or withdrawals in-person
  • Up to six (6) third-party withdrawals or transfers per statement cycle
  • Earn interest on account balances $2,500 or more at current market rate
  • Interest accrued daily, credited and compounded monthly
  • Interest rate may change daily, with no maximum or minimum
  • Immediate access to all collected funds
 

Account Requirements:

  • $1,000 minimum account balance to waive $5 monthly service fee4
 

Recommended Products and Services:

INVESTORS ADVANTAGE

Features and Benefits:

  • Check writing1
  • Online Banking
  • Mobile Banking with Mobile Deposit
  • VISA® ATM Card
  • Telephone Banking
  • eStatements and Notices available
  • Unlimited transfers or withdrawals in-person
  • Up to six (6) third-party withdrawals or transfers per statement cycle
  • Earn tiered-interest on account balances when each tier is reached:
    • Less than $2,500
    • $2,500 - $9,999.99
    • $10,000 - $24,999.99
    • $25,000 - $49,999.99
    • $50,000 - $99,999.99
    • $100,000 - $249,999.99
    • $250,000 - $499,999.99
    • $500,000 - $999,999.99
    • $1,000,000 or greater
  • Interest accrued daily, credited and compounded monthly
  • Interest rate may change daily, with no maximum or minimum
  • Immediate access to all collected funds
 

Account Requirements:

  • $1,000 minimum account balance to waive $5 monthly service fee4
 

Recommended Products and Services:

 

 
 
 
 

Cell phone protection, personal identity protection and buyer's protection and extended warranty are subject to additional terms and conditions. 
Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. Identity monitoring and credit monitoring require additional enrollment on BaZing.com 
Additional activation is required.

Rates are subject to change after account opening.