Personal Checking Account Comparison

Features & Benefits Hamilton Club Relationship Checking Senior Checking Hamilton Interest Checking
Rates and Fees        

Minimum Opening Balances

$100

$100

$100

$100

Balance Requirement (to waive maintenance fee)

None

$25,000 combined deposit balance or $25,000 combined loan balance 1

No minimum balance and at least one direct deposit per monthly statement cycle.

$2,500 minimum daily balance or $5,000 average daily balance

Maintenance Fee

$10 per monthly statement cycle

$25 per monthly statement cycle

$10 per monthly statement cycle. Only offerred to customers age 62 and above.

$15 per monthly statement cycle.

Earns Interest

No

Variable rate based on account balance*

Variable rate based on account balance*

Variable rate based on account balance*

Cards & ATMS        

Visa® Check Card

Yes

Yes

Yes

Yes

Surcharge Free ATM

Allpoint logo Allpoint logo Allpoint logo Allpoint logo
Check Services

 

 

 

 

Unlimited Check Writing

Yes

Yes

Yes

Yes

Other Services

 

 

 

 

Online Banking

Free

Free

Free

Free

Mobile Banking

Free

Free

Free

Free

Teller

Unlimited

Unlimited

Unlimited

Unlimited

Telebanc Phone Services

Unlimited

Unlimited

Unlimited

Unlimited

Additional Benefits

 

 

 

 

Basic Bill Pay

Free

Free

Free

Free

No Annual Fee Credit Card ***

Yes

Yes

Yes

Yes

eStatements

Free

Free

Free

Free

 

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

Minimum Opening Balances

$50

$1,000

$500

Balance Requirement (to waive maintenance fee)

One direct deposit per statement cycle and $500 minimum daily balance

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

$500 minimum daily balance

Maintenance Fee

$10 per monthly statement cycle

In addition to this account’s monthly $15 Maintenance Fee, a $10 excessive activity 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.

In addition to this account’s quarterly $15 Maintenance Fee, a $10 withdrawal 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*

Cards & ATMS      

Visa® Check Card

Yes

No

No

Surcharge Free ATM

Allpoint logo

 

 

Check Services

 

 

 

Unlimited Check Writing

Yes

6 maximum withdrawals allowable per month**

6 maximum withdrawals allowable per month**

Other Services

 

 

 

Online Banking

Free

Free

Free

Mobile Banking

Free

Free

Free

Teller

Unlimited

Unlimited

Unlimited

Telebanc Phone Services

Unlimited

Unlimited

Unlimited

Additional Benefits

 

 

 

Basic Bill Pay

Free

Free

 

No Annual Fee Credit Card ***

Yes

Yes

 

eStatements

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 will receive a $10 withdrawal fee 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.