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PERSONAL BANKING


A small town bank with a wide array of services.

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 - $0.00 - $999.99
  • Tier 2 - $1,000.00 - $249,999.99
  • Tier 3 - $250,000.00 - $499,999.99
  • Tier 4 $500,000.00 and up

Check reorders are available from Main Street Checks.

Savings Accounts

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

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

Contact Us for availability and pricing.

Easy-to-Use, Financial Calculators Available Here

Hometown bank financial calculators

How to Avoid Overdraft and Bounced Check Fees

Information to avoid overdraft and bounced fees

Protect Yourself with These Security Tips

Hometown Bank Security Tips