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 balance or $25,000 combined loan balance 1

$500 daily balance
or one direct deposit per monthly statement cycle

One 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 monthly statement cycle

$25 per monthly statement cycle

$10 per monthly statement cycle

$10 per monthly statement cycle

In addition to this account’s monthly $15 Maintenance Fee, a $10 fee will be imposed for any withdrawal and/ or transfer that exceeds Regulation D’s six allowable monthly transactions. This excludes in person withdrawels at teller counter and ATM.

In addition to this account type’s quarterly $5 Maintenance Fee, a $10 fee will be imposed for any withdrawal and/ or transfer that exceeds Regulation D’s six allowable monthly transactions. This excludes in person withdrawals at teller counter and ATM.

Earns Interest

No

Variable rate based on account balance*

Variable rate based on account balance*

No

Variable rate based
on account balance*

Variable rate*

Cards & ATMS            

Visa® Check
Card

Yes

Yes

Yes

Yes

No

No

Surcharge Free ATM

 

 

Check Services

 

 

 

 

 

 

Unlimited Check
Writing

Yes

Yes

Yes

No - up to 5 checks/paper items per monthly statement cycle

6 maximum withdrawals allowable per month**

6 maximum withdrawals allowable per month**
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/or transfers each month to another account of yours or to a third party by means of: a preauthorized or automatic transfer or telephone order or instruction or computer transfer through Internet or Mobile Banking and/or by check, draft, debit card or similar order to a third party. This excludes in-person withdrawals at teller counter and ATM. Each withdrawal in excess of six per calendar month for savings and monthly statement cycle for money market will receive a $10 excessive activity fee. And, repeated occurrence of excessive activity requires Hamilton State Bank to close such account.
Based on approval.
1
To avoid the $25.00 monthly maintenance fee at statement cycle, the Relationship Checking Account must have an average daily balance combined with the daily deposit account balances of other HSB deposit accounts totaling $25,000 or greater or an outstanding loan principle balance of $25,000 or greater at the Relationship Checking statement cycle date.

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

Information Regarding Your Deposit Account
Federal Regulation E requires a deposit accountholder to "opt-in" before being charged a fee for overdraft protection services on ATM and one-time Debit Card transactions. Inquire with your Branch Personal Banker if you question the Reg. E opted status you chose at your account opening.

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