Checking Accounts
Health Saving Account
A personal savings account for those with qualified high-deductable health insurance plans (HDHP) to help cover out of pocket medical expenses like doctor visits, vision and dental care, and prescriptions.
- No minimum balance to maintain
- No monthly service charge
- Unlimited check writing
- Free HomeTown Bank Debit Card
*For terms and conditions, visit or call the nearest HomeTown Bank banking center.
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.
Interest Checking
Reap the benefits of our competitive tiered interest rates on balances $1,000.00 and up:
- Tier 1 - $500,000.00 and up
- Tier 2 - $250,000.00 - $499,999.99
- Tier 3 - $1,000.00 - $249,999.99
Savings Accounts
Personal Savings
- Pays interest
- $5.00 charge per quarter if balance falls below $100.00
- Personal savings withdrawals are limited to six per month
Minor Savings
- Pays interest
- No minimum balance requirement
- No service charge
Set up an account today! Click here to find a HomeTown Bank banking center near you.
CDs and IRAs
Certificates of Deposits
- 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
For current rates and terms, visit or call the nearest HomeTown Bank banking center.
Debit ATM Cards
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.
Lost or stolen debit card? Call 1-800-523-4175 24 hours a day to report missing cards.
Safe Deposit Box
Safe Deposit Box
- 3x5 (Oneonta and Pinson only)
- 3x10
- 5x10
- 10x10
