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 needs.

Open an Account

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

Switch your accounts to HNB

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.

For further assistance or if you are a member of The Chairman's Club or Signature Circle looking to redeem your annual free box of checks, you may call us at 1-800-462-9515 or visit one of our office locations for assistance.

man shopping for apples at grocery store
Free CHecking
Features and Benefits:

 
Account Requirements:

  • $100 initial deposit to open the account
  • No minimum balance requirements
 
Recommended Products and Services:

SIGNATURE CIRCLE
Features and Benefits:

 
Account Requirements:

  • No minimum balance requirements
  • $3.95 monthly fee when enrolled in eStatements
  • $4.95 monthly fee when receiving paper statements
 
Recommended Products and Services:

THE CHAIRMAN'S CLUB
Features and Benefits:

 
Account Requirements:

  • No minimum balance requirements
  • $3.95 monthly fee when enrolled in eStatements
  • $4.95 monthly fee when receiving paper statements
  • To avoid monthly fee, maintain a collective balance of $2,500 across deposit accounts (excludes IRA accounts), of which one must be an active checking account
  • Must be 50 years or older
 

Recommended Products and Services:

THE U CLUB®
Features and Benefits:

 
Account Requirements:

  • No minimum balance requirements
  • Must be ages 14-22
  • Parent/guardian must be a joint owner on the account until the young adult reaches the age of 18
 
Recommended Products and Services:

N.O.W. ACCOUNT
Features and Benefits:

 
Account Requirements:

  • $1,000 minimum 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:

 
 
 
 

1Limits apply.
2For qualified borrowers.
3Age 62 or older.
4Fees may reduce earnings.