Free Hometown Rewards Checking



Balance  Tier 

Interest Rate

Annual Percentage Yield (APY)

APY Requirements


if qualifications           ARE met:

$0.01 to $25,000 




A minimum balance of $20.00 is required to earn the stated APY


If qualifications           ARE met:

Above $25,000




A minimum balance of $25,000.01 is required to earn the stated APY


If qualifications are NOT met:

 $0.01        and up




A minimum balance is $122.00 is required to earn the stated APY


Earn Bonus Rates and Free ATMs Nationwide* By meeting these

three Minimum Account Requirements

    1.  Use the convenient check card

     Make purchases without writing checks using our FREE Home State Bank Check Card.

     Simply have 10 or more check card purchases post to your account within the Monthly Qualification

     Cycle, which is your monthly statement cycle.

    2.  Make an automatic payment or direct deposit

     Have at least one monthly ACH Direct Deposit or ACH Automatic Withdrawal (like a utility

     bill) post to your account during the Monthly Qualification Cycle, which is your monthly

     statement cycle.

    3.  Get e-Statements

     Each month we’ll send you an email to tell you your next account statement is ready to

     view online.  You must have a valid email address to receive notification.



BASE RATE: If the three Minimum Account Requirements are not met during your Monthly Qualification Cycle, your account will earn the Base Rate on the entire balance.

IMPORTANT INFORMATION: The Monthly Qualification Cycle is your monthly statement cycle. ATM transactions, Online Banking Bill Pay transactions, or other form of electronic transfer DO NOT COUNT towards Home State Bank Check Card purchases, automatic clearing house (ACH) Direct Deposit or ACH Automatic Withdrawal account requirement. Minimum deposit of $50 is required to open this account. There are no monthly service charges. Customer is responsible for check order purchases after initial discounted box of checks at account opening. Available for personal accounts only. The interest rate and APY may change at any time after account opening. Advertised rates as of February 1st, 2014.

* ATM fees charged nationwide are refunded when account requirements are met during the Monthly Qualification Cycle.

** Interest is paid on the entire account balance, however a higher balance may be required to earn the stated APY.