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Services
Regular Checking Accounts:
- No minimum balance.
- Service charges on tiered schedules according to average balance of the account.
Interest Bearing Accounts:
Hometown Checking Club Accounts:
- Interest paid on average collected balance of account.
- No monthly service charge if the account maintains an average balance of $100 for the statement cycle.
- Unlimited check writing.
- Benefits available through membership.
Hometown Checking Plus Club Accounts:
- Interest Paid on average collected balance for the statement cycle.
- Monthly service charge of $5.
- Unlimited check writing.
- Benefits available through membership ( term life insurance, medical alert card key club, traverlers discount book, and more.)
- Discount on personal checks (selected styles only.)
- Discounts for senior citizens.
NOW Accounts:
- $1,000 minimum balance.
- No interest paid under $1,000 collected balance.
- Service charges under $1,000 collected balance.
- Servce charges tiered according to average collected balance.
First Security Checking Account (Super Now):
- $2,500 minimum balance.
- No interest paid under $1,000 collected balance.
- Service charges under $1,000 collected balance.
- Service charges tiered according to average collected balance.
Money Market Checking Accounts:
- $1,000 minimum balance.
- Interest rated tiered on 1,000, 2,500, and 50,000 collected balances.
- No interest paid under $1,000.
- Service charges under $1,000.
- Service charges tiered according to average collected balance.
USB Plus Money Market:
- $25,000.00 minimum balance to open account.
- Interest rate tiered on $1,000.00 and $25,000.00 collected balances.
- No interest paid under $1,000.00
- Service charges for average balances under $25,000.00
Savings Accounts:
Statement Savings Accounts:
- Minimum opening balance of $50.
- Interest paid quarterly.
- Statements provided quarterly.
IRA's:
- Financial Security for Retirement
- Traditional IRA's
- Roth IRA's
- Educational IRA's
- Competive Rates
Certificates of Deposit:
- $1,000 minimum
- Interest compounded monthly
- Competive Rates
- Terms from 30 days to 60 months
- Will bid on $100,000 or more
Loans:
- Agricultural Loans
- Automobile Loans
- Recreational Loans
- Boat, Motor, Trailer
- Home Improvement
- First and Second Mortgages
- Adjustable Rate Mortgages
- Personal Loans
- Cash Reserve
- Construction Loans
- Secondary Market Real Estate Loans
- Full Service Loan Departments at each location
- Come and see one of our loan officers today!!
Bonds:
- Purchase or Sale of U.S. Government, Federal Agency and Municipal Securites.
- Purchase and Redemption of U.S. Savings Bonds.
Commercial Banking:
- Business Checking Accounts
- Mortgages
- Commercial Loans
- Statement Savings
- Certificate of Deposit
- ACH Origination
- ACH & Direct Deposit of Payroll
- Wire Transfers
- Travelers Checks
- Letters of Credit
- Safe Deposit Boxes
- Redemption of Bond Coupons
- Purchase or Sale of U.S. Government, Federal Agency and Municipal Securities
- Monthly or Quarterly Tax Deposits
Special:
- Internet Banking
- Bill Pay
- E-Bills
- Notify Me
- E-Statements
- Check Imaging
- Online Check Free Images
- Wire Transfer
- ATM's at Ewing and Edina offices and 11 other locations
- Automatic Payments
- Three convenient locations
- Free parking
- Drive-In Banking
- Bank by Mail
- Bank Drafts
- Cashier's Checks
- Direct Deposit of U.S. Government Benefit Checks and Payroll
- Night Depository at each location
- Notary Public at each location
- Personal Money Orders
- Travelers Checks
- Telephone Transfers
- Account Reconcilement
- ATM Cards
- Debit Cards
- Safe Deposit Boxes
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