Personal Checking Account Comparison

Features &
Benefits
Hamilton Club Relationship
Checking
Hamilton Interest Checking Foundation
Checking
Hamilton Money Market
Hamilton Savings
Rates and Fees            

Minimum
Opening
Balances

$100

$100

$100

$50

$1,000

$300

Balance Require-
ment (to waive maintenance fee)

None

$25,000 combined deposit or $25,000 combined loan balance

$500 daily balance
or one direct deposit per statement cycle

1 direct deposit per statement cycle
and 5 or less checks/paper items per monthly statement cycle

$1,000 minimum
daily balance or $2,500 average
daily balance

$300 minimum daily balance

Maintenance
Fee

$10 per month

$25 per month

$10 per month

$10 per month

$15 if balance falls below requirements per monthly statement cycle

In addition to this account type's quarterly $5.00 Maintenance Fee, each quarter you will be assessed $10.00 for each withdrawal/transfer surpassing the account's complimentary six withdrawals/transfers occurrences.

Earns Interest

No

Variable rate based on account balance*

Variable rate based on account balance*

No

Variable rate based
on account balance*

Yes, compounded daily and credited quarterly

Cards & ATMS            

Visa® Check
Card

Yes

Yes

Yes

Yes

No

No

Non-HSB ATM
Transactions

6 refunds, up to $3 per transaction, per monthly statement cycle

6 refunds, up to $3 per transaction, per monthly statement cycle

6 refunds, up to $3 per transaction, per monthly statement cycle

6 refunds, up to $3 per transaction, per monthly statement cycle

None

None

Check Services

 

 

 

 

 

 

Unlimited Check
Writing

Yes

Yes

Yes

No – up to five checks/paper items
per month

6 maximum transaction type allowable

6 maximum transaction type allowable
Other Services

 

 

 

 

 

 

Online Banking

Free

Free

Free

Free

Free

Free

Mobile Banking

Free

Free

Free

Free

Free

Free

Teller

Unlimited

Unlimited

Unlimited

No teller service

Unlimited

Unlimited

Telebanc Phone Services

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited
Additional Benefits

 

 

 

 

 

 

Basic Bill Pay

Free

Free

Free

Free

Free

 

No Annual Fee
Credit Card
***

Yes

Yes

Yes

Yes

Yes

 

eStatements

Free

Free

Free

Free

Free

 
All accounts/cards subject to approval.
*
**



***
Please see one of our branch Personal Bankers for details on our variable rates (tiered pricing – based on account balance).
Per Federal Regulatory ruling, you are not permitted to make more than six withdrawals and transfers each month to another account of yours or to a third party by means of: a preauthorized or automatic transfer or telephone or Internet or Mobile Banking action or by check, draft, debit card or similar order to a third party. This excludes in-person withdrawals at teller counter or ATM. Each withdrawal in excess of six per calendar month will receive a $10.00 excessive activity fee. And, repeated occurrence of excessive activity requires Hamilton State Bank to close each account.
Based on approval.

To report a lost or stolen debit card after normal business hours, please call
800-554-8969.

Information Regarding Your Deposit Account
Federal Regulations say you must “opt-in” or certain debit card & ATM transactions can be denied.

Telebanc: 1-877-527-2716 | Customer Support: 770-967-5090 | Email: