Personal Checking Account Comparison

Features &
Benefits
Personal
Checking
Interest
Checking
Privilege
Checking
Student
Checking
Money Market
Account
Rates and Fees          
Minimum
Opening
Balances
$100 $1,000 $50 $50 $1,000
Balance Require-
ment (to waive maintenance fee)
None $1,000 minimum daily
balance or $2,500 average daily
balance
None None $1,000 minimum daily
balance or $2,500 average daily
balance
Monthly
Maintenance
Fee
None $10 if balance
falls below
requirements
None None $15 if balance
falls below
requirements
Earns Interest No Yes, compounded
daily and credited
monthly
Yes, compounded
daily and credited
monthly
No Yes, compounded
daily and credited
monthly
Cards & ATMS          
Visa® Check
Card*
Yes Yes Yes Yes

No

Non-HSB ATM
Transactions
6 free monthly
per statement
cycle
6 free monthly
per statement
cycle
6 free monthly
per statement
cycle
4 free monthly
per statement
cycle
6 free monthly transfers/withdrawals total per statement cycle***
Check Services          
Unlimited Check
Writing
Yes Yes Yes Yes No - up to six withdrawals/
transfers total
per month***
Other Services          
Online Banking Free Free Free Free Free
Teller & Telebanc
Phone Services
Unlimited Unlimited Unlimited Unlimited Unlimited
Additional
Benefits
•eStatements
•Notary Services
•Online Banking with Bill Pay
       
All accounts/cards subject to approval.
*
**
***
Requires separate application and approval.
Safe deposit box pricing varies based on branch location, and boxes are offered based on availability.
Additional transactions have an $10 excessive activity charge per debit and are subject to Regulation D Restrictions (excluding in-person withdrawals).


 

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: