Federal and state banking laws govern much of our relationship with you. In particular, laws concerning negotiable instruments, deposit accounts and how we treat activity of these accounts. Complete disclosures of our fees and charges are available at your nearest branch location.

The FDIC Improvement Act of 1991 contained within it the Truth in Savings Act. The purpose of this act is to enable consumers to make informed decisions about deposit accounts in depository institutions.

Below is a condensed description of accounts we have to offer. For a complete list of services and charges, please see one of our new accounts representatives at the branch nearest you. Someone there will be happy to help you.

Reorder Checks

If you have any of the following types of Checking Accounts, you will not be able to reorder your checks thru this link. Persons with the below accounts receive free or discounted checks and therefore must be ordered directly from the bank.

• Homeland Gold
• Homeland Gold 60
• Student Checking
• Senior Checking

All other account types may proceed to reorder online.

Outside 3rd party sites may have different privacy policies and may be less secure than the Homeland Bank site is.

Now Checking

• $100 minimum to open
• Unlimited check writing and deposit privileges
• No monthly service charge if $1000 balance is maintained
• Debit card (Visa Check Card) and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Interest bearing account

Homeland Gold Checking

• $100 minimum to open
• Unlimited check writing and deposit privileges
• Debit card (Visa Check Card) and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Interest bearing account
• Free club account checks, money orders, and cashiers checks
• Service charge calculated on Accidental Death & Dismemberments Insurance plan selected at time of opening

Senior Checking (Age 60 and above)

• $100 minimum to open
• Unlimited check writing and deposit privileges
• Debit card (Visa Check Card) and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Interest bearing account
• No Service Charge
• Free Senior Checks

Senior Gold Checking

• $100 minimum to open
• Unlimited check writing and deposit privileges
• Debit card (Visa Check Card) and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Interest bearing account
• Free Senior Checks, money orders and cashiers checks
• Service Charge is $5 monthly
• $5,000 non-reducing accidental death & dismemberment policy

Student Checking

• $50 minimum to open
• Unlimited check writing and deposit privileges
• No monthly service charge
• Debit card (Visa Check Card) and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits
• Interest bearing account
• Must be 18 years old or have an adult joint owner on the account

Commercial Checking

• $100 minimum to open
• Unlimited check writing and deposit privileges
• $10 per month service charge
• Debit card (Visa Check Card) and ATM card availability
• 24-hour ATM access
• 24-hour telephone access to check balances, cleared checks, and deposits

Money Market Checking

• $1,000 minimum to open
• Earns variable rate of interest
• Interest credited monthly
• No monthly service charge if $1,000 balance is maintained
• Up to six transfers or withdrawals each statement cycle, up to three of which may be by check. $3 per withdraw/transfer if over the limit of six per month
• Unlimited deposits

Christmas Club

• $5 minimum to open
• Interest credited annually
• Unlimited deposits
• A check will be issued and mailed to you to do your shopping with
• $5 charge for each withdrawal