Personal Accounts

Personal Banking - A Better Way.

Selecting a checking and savings account that fits your personal and financial needs is important. Just like the needs in your life, your needs for personal accounts vary. That's why we have both checking and savings accounts appropriate for every stage of your life. The common thread is the ability for you to easily manage your money.

	Premium Checking EARN INTEREST on your checking account's balance Minimum of $100.00 required to open $10.00 monthly service charge waived if minimum balance of $2500.00 maintained Free unlimited ATM and debit card transactions (At bank owned-ATMs. $1.00 withdrawal fee for any other ATM location used) If age 55 or older, may receive one free box of Home Federal's basic printed checks free per year Imaged checks provided in monthly printed or e-statement Free online banking and bill pay Free debit card Free overdraft protection Free account alerts Free mobile banking Free email statements available
	Prime Checking Non-Interest bearing and lower balance required Minimum of $100.00 required to open $6.00 monthly service charge waived if minimum balance of $1500.00 maintained Free unlimited ATM and debit card transactions (At bank owned-ATMs. $1.00 withdrawal fee for any other ATM location used) If age 55 or older, may receive one free box of Home Federal's basic printed checks free per year Imaged checks provided in monthly printed or e-statement Free online banking and bill pay Free debit card Free overdraft protection Free account alerts Free mobile banking Free email statements available
	Cash Back Checking FREE Checking with NO monthly service charge PLUS Earn .10 for each completed signature debit card transaction of at least $10.00 Minimum of $100.00 required to open Non-Interest bearing No minimum balance requirement Free unlimited ATM and debit card transactions (At bank owned-ATMs. $1.00 withdrawal fee for any other ATM location used) Imaged checks provided in monthly e-statement Free online banking and bill pay Free debit card Free overdraft protection Free account alerts Free mobile banking
	Smart Rewards Checking Earn Bonus Interest Rate of 4.00% APY* on up to $20,000 of your checking account's balance PLUS tiered interest rates on balances above $20,000. PLUS receive foreign ATM fee refund of up to $10.00 if the following minimum monthly requirements are met: Minimum balance requirement of $250.00 Must have one direct deposit of at least $500.00 Must complete one ACH debit for any amount Must receive imaged checks in a monthly E-Statement Must complete at least 15 signature debit card transactions of at least $5.00 each Plus: Minimum of $250.00 required to open No monthly service charge Free unlimited ATM and debit card transactions (At bank owned-ATMs. $1.00 withdrawal fee for any other ATM location used) Imaged checks provided in monthly e-statement No interest paid on entire balance if qualifications are not met Free online banking and bill pay Free debit card Free overdraft protection Free account alerts Free mobile banking
*APY = Annual Percentage Yield only applies to balances up to $20,000.00; interest rate is subject to change. Must Open Account in Person.
	Priority Account Earn tiered interest rates on your money market account's balances Minimum of $10,000.00 required to open $10.00 monthly service charge waived if minimum balance of $10,000.00 maintained Up to six transfers per month, three may be by check* Unlimited withdrawals if done in person, by mail, messenger or ATM Imaged checks provided in monthly printed or e-statement Free online banking Free ATM transactions Free ATM card Free account alerts Free mobile banking Free ATM transactions at bank-owned ATMs ($1.00 withdrawal fee for any other ATM location used)
*Transfers and drafts in excess of the limitations will subject the account to loss of transfer and draft capabilities or closure.
	Smart Savings Earn tiered interest rates on your Smart Savings account's balances Minimum of $1,000.00 required to open $9.00 quarterly service charge waived if minimum balance of $1,000.00 maintained Six free withdrawals per quarter and $1.00 for each withdrawal after first six Quarterly printed or e-statement provided Free online banking Free ATM transactions Free ATM card Free account alerts Free mobile banking Free ATM transactions at bank-owned ATMs ($1.00 withdrawal fee for any other ATM location used)
	Minor Savings No Service Charge Savings for account owners under age 18 Parent/Guardian must be on account Minimum of $100.00 required to open No minimum balance required Quarterly printed or e-statement provided Free online banking
	Traditional & Roth IRA's Earn interest on your IRA account based on term of CD Open account with as little as $25.00 No fees No early withdrawal penalty if age 59 1/2 or older
	Certificates of Deposit Earn interest on CD based on our wide range of terms Interest can be received by check, compounded back to CD, or transferred to a checking, savings, or money market Interest can be paid monthly, quarterly, semi-annually, annually or at maturity Terms range from 30 days to 5 years Fixed interest rates on all terms Option to bump interest rate on flex CDs with various terms Minimum balances range from $500.00 to $2,500.00 CD specials may be available
*All interest rates subject to change. Contact a Home Federal Bank location near you for interest rates. Only available to customers in our market area. MUST OPEN ACCOUNTS IN PERSON