Checking Accounts

Your Foundation for Financial Success

A checking account is the central gateway to successful management of your finances, and choosing the right financial institution to host yours is a critical decision. Home Federal Bank offers a variety of checking accounts with distinctive features designed to meet your particular needs.

HomeFree Checking

Digital banking is a free checking account with no monthly maintenance fee.

NOW Account Checking

Traditional interest bearing checking account.

Over 55 Checking

For customers 55+. NOW Account Checking with no monthly maintenance fee.

Smart Start Checking

Free checking account for teens and young adults ages 13 - 25

Regular Checking

Basic checking account with free online and mobile banking.

Health Savings Account (HSA)

A tax-exempt account established exclusively for the purpose of paying or reimbursing qualified medical expenses.

Account Type	Monthly Maintenance Fee	Minimum to Open Account	Min. Bal. Req'd to Avoid Monthly Maintenance Fee	Interest Bearing*	Additional Monthly Service Charges
Advantage Checking Put your money to work and earn monthly interest. Learn More about Advantage Checking Advantage Checking Monthly Maintenance Fee: $8.00 Monthly Mailed Statement Fee: $2.00 (waived by enrolling in E-statements) Earn Monthly Interest Home Federal Custom Checks – 1 free order per year No ATM Fees – access your money, at any ATM, with no additional Home Federal Bank fees .10 basis point increase on any new CD opened Account Forgiveness Benefits: No fee transfers via a linked savings account for insufficient items 6 Insufficient Item fees (NSF) waived per year Apply for our Home Federal Line of Credit to link to your Advantage Checking. (based on credit approval) Unlimited access to Online Banking, BillPay, check writing, and in-person branch transactions ATM/Debit Card – use our free Card Valet app to set up controls for your debit card Zelle ^® – instantly transfer money through our Online Banking with Zelle^® Fraud – protect and monitor your account with our Enhanced Fraud Alerts Credit Score– free access to your credit scor Ready to Sign Up? Find a Location Near You! Find A Location	$8.00	$0.00	N/A	Yes	$2 monthly mailed statement fee; can be waived by enrolling in e-statements
Choice Checking A digital account with $0 maintenance fees. Learn More about Choice Checking Choice Checking A digital banking experience with $0 monthly maintenance fees Free Online BillPay – Unlimited access to pay bills safely and conveniently. No minimum balance requirements Mobile Banking – Unlimited access to our mobile app, including mobile deposits. Unlimited access to Online Banking, BillPay, and unlimited check writing Fraud Alerts – protect and monitor your account with our Enhanced Fraud Alerts ATM/Debit Card – Download our free Card Valet^® App with enhanced card control options. Unlimited branch transactions – Visit any of our 23 conveniently located branches for an in-person banking experience. No restrictions or limits on the number of in-person transactions or branch visits Real Time Banking Ready to Sign Up? Find a Location Near You! Find A Location	$0.00	$0.00	N/A	No	None
Senior Checking 62+ Checking designed with you in mind. Enjoy the ease and convenience of your financial journey. Learn More about Senior Checking 62+ Senior Checking 62+ Maintenance fee – $0 Home Federal Bank’s Custom Checks – 1 free order per year Monthly Statements – select either a mailed or electronic statement, at no additional charge Unlimited access to Online Banking, BillPay, and unlimited check writing Credit Score – free access to your credit score Fraud Alerts – protect and monitor your account activity with our Enhanced Fraud Alerts Card Valet^® – download our free app to set up controls on your debit card Zelle ^®– use our Online Banking app to move money quickly with instant transfers via Zelle ^® Unlimited branch transactions – Visit any of our 23 conveniently located branches for an in-person banking experience. No restrictions or limits on the number of in-person transactions or branch visits ATM/Debit Card Real Time Banking Ready to Sign Up? Find a Location Near You! Find A Location	$0.00	$0.00	N/A	No	None
HomeFree Checking Digital banking is a free checking account with no monthly maintenance fee. Learn More about HomeFree Checking HomeFree Checking No monthly fee. Digital banking is free banking means there is no monthly maintenance fee as long as you can access your account on our free Online Banking system. Free Online BillPay. Pay your bills the safe and convenient way. Monthly statements – online only. No more mailed statements with the risk of theft from your mailbox. An excellent deterrent to Identity Theft. Requires a valid e-mail address. First custom check order free. No minimum balance. Requires $100 opening balance. No limit on branch visit transactions. Not limited like other bank’s free account. No other accounts required to get HomeFree checking. Unlike other banks, this account does not require opening other Home Federal Bank accounts. When you see how user-friendly a Home Federal Bank account can be, you can open additional accounts on your schedule. Ready to Sign Up? Find a Location Near You! Find A Location	FREE	$100.00	N/A	No	None
NOW Account Checking Traditional interest bearing checking account. Learn More about NOW Account Checking	$7.00	$100.00	$700.00 Daily Balance	Yes	None
Over 55 Checking For customers 55+. NOW Account Checking with no monthly maintenance fee. Learn More about Over 55 Checking	FREE to Consumers 55+	$100.00	N/A	Yes	None
Smart Start Checking Free checking account for teens and young adults ages 13 - 25 Learn More about Smart Start Checking	NONE	$0.00	N/A	No	None
Regular Checking Basic checking account with free online and mobile banking. Learn More about Regular Checking	$2.00	$100.00	$100.00 Daily Balance	No	$0.25 per check processed regardless of balance
Health Savings Account (HSA) A tax-exempt account established exclusively for the purpose of paying or reimbursing qualified medical expenses. Learn More about Health Savings Account (HSA) Health Savings Account (HSA) A tax-exempt¹ account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents. If you are eligible, you can establish an HSA in much the same way you would an IRA. Each year, you are responsible for determining your allowable annual HSA contribution. 2023 Contribution Limits – $3,850 Self-Only, $7,750 Family. 2024 Contribution Limits – $4,150 Self-Only, $8,300 Family. $1,000 additional catch-up for eligible individuals age 55 or older by the end of the year and have not enrolled in Medicare. Access your funds with special HSA Debit Card. ¹Consult a tax professional for tax advice. Ready to Sign Up? Find a Location Near You! Find A Location	NONE	$1.00	N/A	Tiered rate determined by account balance	None

* Interest is compounded daily and paid monthly on collected balances. Additions and withdrawals may be made at any time.

Fee Schedule