PERSONAL BANKING


A small town bank with a wide array of services.

Home Free Checking

  • No minimum balance to maintain
  • No monthly service charge
  • Unlimited check writing
  • Free HomeTown Bank Debit Card
  • Full reimbursement for non-network ATM fees*
  • Free official checks
  • Free Internet Banking and Bill Pay

*Use any ATM, anywhere. Just bring us the receipt and we'll pay you back for non-network ATM fees.

PrimeTime Checking

Available for customers age 50 and over. Enjoy all the benefits of Home Free Checking and more. Additional perks include:

  • 10% discount on Safe Box Deposit
  • Competitive interest paid on balances above $1,000

Interest Checking

Reap the benefits of our competitive tiered interest rates.

  • Tier 1 - $500,000 - $UP
  • Tier 2 - $250,000 - $499,999
  • Tier 3 - $1,000 - $249,999

Reorder ChecksCheck reorders are available from Main Street Checks.

Personal Savings

  • Pays interest on $1 or more
  • $5.00 charge per quarter if balance falls below $100.00
  • Personal savings withdrawals are limited to six per month

Minor Savings

  • Pays interest on $1 or more
  • No minimum balance requirement
  • No service charge

Minor Account Set UpSet up an account today! Click here to find a HomeTown Bank banking center near you.

Certificates of Deposists

  • Choose from a wide range of competitive yields and terms
  • $500 minimum balance
  • Automatic renewal and single maturity available
  • Interest paid monthly, quarterly, semi-annually, or at maturity

Individual Retirement Accounts

  • We offer both Traditional and Roth IRAs
  • $500 minimum balance
  • Automatic renewal and single maturity available
  • Interest paid monthly, quarterly, semi-annually, or at maturity

IRAs For current rates and terms, visit or call the nearest HomeTown Bank banking center.

HomeTown Bank Debit Card

  • Free to all Personal Checking customers
  • Get cash anytime from ATMs nationwide
  • Accepted anywhere Visa® is accepted
  • Full reimbursement for non-network ATM fees*

*Use any ATM, anywhere. Just bring us the receipt and we'll pay you back for non-network ATM fees.

Report Debit CardLost or stolen debit card? Call 1-800-523-4175 24 hours a day to report missing cards.

Safe Deposit Box

Sizes Available:

  • 3x5 (Oneonta and Pinson only)
  • 3x10
  • 5x10
  • 10x10

Safe Deposit BoxesContact Us for availability and pricing.

Easy-to-Use, Financial Calculators
Available Here

Calculators for You

How to Avoid Overdraft
and Bounced Check Fees

Check Fee Information

Protect Yourself
with These Security Tips

Security Information

Debit Card Need to report a lost or stolen ATM/Debit card?

Call 1.800.523.4175 24 hours a day to report missing cards.