Additional Products and Services


Phone Home – (865) 687-HOME

Using the system is very simple, and if at any time you need to speak with a Customer Service Representative, you can easily do so during regular business hours.

What's the number to call when you need to check your numbers? (865) 687-HOME (687-4663), Home Federal Bank's voice activated banking system! It's easy and convenient.

  • Check your withdrawals, deposits, balances
  • Check your loan balances
  • Check ATM transactions
  • Stop payments
  • See if checks have cleared

Wire Transfers

  • Domestic wire services are available to all Home Federal customers.
  • International wire services are only available to Home Federal commercial customers.

Information needed to send a wire transfer:

Domestic Wires

Beneficiary information needed:

  1. Name
  2. Address
  3. Account number
  4. Any special instructions to insure proper posting

Beneficiary's Financial Institution information needed:

  1. Name
  2. Address
  3. Routing Number

International Wires

Beneficiary information needed:

  1. Name
  2. Address
  3. Account number
  4. Any special instructions to insure proper posting

Beneficiary's Financial Institution information needed:

  1. Name
  2. Address
  3. SWIFT Code (if the Financial Institution does not have a Swift Code then the following information will be necessary)

Intermediary Financial Institution

  1. Name
  2. Address
  3. Account number of the Beneficiary's Financial Institution
  4. SWIFT Code or Routing number

 

Safe Deposit Boxes

Safe Deposit boxes are provided for the safety and convenience of our customers. They are available at all offices except the Market Street Office.

The current price listing in effect as of January 1, 2017.

Box Size Annual Fee
3"x5" $25
3"x10" $35
5"x10" $55
10"x10"
10"x20"**
$80
$160
11"x22"* $180
16"x22"* $230

* Available at the Bearden Branch only.
**Available at the Isaiah's Landing Branch only.

Safe Deposit Boxes Frequently Asked Questions

  1. Who may rent a safe deposit box at Home Federal Bank?
    An established Home Federal customer.

  2. Why should someone rent a safe deposit box?
    Many of your documents and valuables are irreplaceable. The safe deposit boxes at Home Federal Bank offer convenient storage at a nominal cost.

  3. What should be kept in a safe deposit box?
    Any valuables such as bonds, stock certificates, insurance policies, birth certificates, deeds, leases, wills, naturalization papers, social security cards, army and pension papers, agreements, contracts, treasured documents, jewelry, heirlooms, burial plot information, income tax records, etc. may be kept in a safe deposit box.

  4. When can a customer have access to the safe deposit box?
    The customer may remove or add contents of the safe deposit box at any time during the regular business hours of the bank.

  5. In the event the customer's keys are lost, is there a master key which will open the lock?
    Each box is equipped with a double lock requiring a guard key (which is kept at the bank) and the customer's key. No one can access a safe deposit box without both keys.

  6. If a lost key is found by someone other than the owner, can the safe deposit box be entered?
    Each safe deposit box renter's signature is on record and no one has access to the box whose signature does not match the one on file.

  7. If cash is kept in a safe deposit box, is it insured by the FDIC?
    Cash in a safe deposit box is NOT insured by the FDIC. Home Federal Bank has no record of the amount of money kept in a customer's safe deposit box.

  8. Can I add an authorized person to have access to my safe deposit box?
    You may appoint a deputy to access your box in the event of illness, vacation, disability, etc. without conveying ownership of the contents of the box. The renter must be present when the deputy is appointed and both must sign the appointment authorization. The deputy's right of access ceases upon the death of the box holder.

  9. Who may enter the safe deposit box and remove contents after the death of the renter?
    The surviving Co-Lessee or the court appointed personal representative may continue to access the box for removal of contents. An inventory has to be completed upon the death of the last lessee or when there is no court appointed fiduciary.

  10. Will the bank honor a general power of attorney or a handwritten note authorizing access to my box?
    These requests will not be honored. A Power of Attorney must be durable and specifically grant access to the safe deposit box; a note will not be accepted. Appointment of a deputy, agent, or guardian is a recommended alternative to a Power of Attorney.

  11. What happens if I lose my safe deposit box keys?
    If you lose only one key you should bring in the remaining key, close the box, and rent another box. If you lose both keys, the box will be drilled in your presence at your expense.

  12. When is the rent due?
    The rent for the first year will be collected the day the box is rented. Subsequent payments will be due on the anniversary due date. Payment notices will be mailed 30 days prior to the anniversary due date.

  13. What happens if the rent is delinquent?
    The safe deposit box lease agreement gives the bank the right to forcibly enter the box after giving the owner written notice as required by state law. The contents will be stored at the expense of the renter. After a specified period of time, the institution may sell the contents to reimburse itself for the expenses incurred such as the delinquent rent, drilling charges, storage fees, and postage.

  14. Can the renter be accompanied by someone when he or she enters the box?
    The renter and anyone accompanying the renter into the vault area must sign a safe deposit access ticket. If the renter is accompanied by a child, the child's name and relationship is to be entered on the access ticket. The renter must authorize all visitors.

  15. Are the contents of the safe deposit box insured?
    The bank carries no insurance because it has no knowledge of the contents of the box. Renters should contact their home insurance agent for other insurance options.

Night Depository

Night depository services are available at all Home Federal Bank branch offices. This service allows our bank to serve customers' security needs after normal business hours. A mail slot is available for customer deposits and payments. Lock bags are available for merchants who wish to make nightly deposits or use the depository for safekeeping.

The customer must sign the proper night depository agreement before the keys and lock bags are issued. There is a fee for the lock bags for use in the depository.

The night depository vault is checked every day. Each item is verified under dual control and processed for immediate credit.

Savings Bonds – Good for America

United States Savings Bonds provide a safe investment opportunity that will help you reach your financial goals safely and, at the same time, help finance our country's borrowing needs. They may be purchased online through TreasuryDirect at www.treasurydirect.gov.

In addition to being easy to buy they are also a safe and secure investment, since they are backed by the full faith and credit of the United States.

The savings bond will earn a market-based rate for 30 years, but may be cashed anytime after one year. The interest earned is exempt from state and local income tax and the federal tax may be deferred until the bond is redeemed or it stops earning interest in 30 years. U.S. Savings Bonds may also provide tax savings when used to finance higher education.

By saving today you are preparing for a more secure tomorrow.

Savings Bonds Frequently Asked Questions

  1. What changes are happening to the way U.S. Savings Bonds are sold?
    Paper Series EE and I Savings Bonds will no longer be sold through financial institutions or mail-in orders after December 31, 2011. Savings bonds aren't going away, though. You can purchase electronic savings bonds online through TreasuryDirect at www.treasurydirect.gov.

  2. Why is the U.S. Department of the Treasury ending sales of paper savings bonds?
    Ending sales of paper savings bonds will save taxpayers an estimated $70 million over the next five years. In addition, unlike paper savings bonds, electronic savings bonds aren't easily lost or misplaced. And with TreasuryDirect, you can manage your savings securely online, anytime.

  3. Does this change end all sales of paper bonds?
    Yes, with the exception of the Tax Time Bond Program introduced in 2010. Tax filers can purchase paper Series I Savings Bonds with their federal tax returns. Otherwise, there will be no other way to buy paper savings bonds.

  4. I already have paper savings bonds. What will happen to them?
    Existing paper savings bonds are valid issues of the Treasury Department and will earn interest for 30 years from the issue date or until redeemed. You can redeem paper bonds at most local financial institutions. You also can convert your paper savings bonds to electronic savings bonds in TreasuryDirect using a program called SmartExchange. There's no charge to convert paper bonds. No earned interest will be lost, and the bonds will keep their original issue dates and current interest rate terms.

  5. I've been buying paper bonds to pay future college expenses. Can I still do so?
    While paper savings bonds no longer will be available, the same education tax benefit and rules apply to electronic savings bonds in TreasuryDirect.

  6. I like to give savings bonds as gifts. Can I still do so?
    Yes. You can buy electronic savings bonds as gifts in TreasuryDirect. You can hold the bonds in your gift box area in TreasuryDirect until you're ready to electronically deliver them to the gift recipient. The recipient must have a TreasuryDirect account (or be named on a minor linked account if under 18 years old.)

  7. What is TreasuryDirect?
  8. TreasuryDirect is a secure web-based system through which you can establish accounts to purchase, hold, and manage Treasury securites online, anytime. In TreasuryDirect, you can purchase Series EE and I Savings Bonds, Treasury bills, notes, bonds and TIPS (Treasury Inflation-Protected Securities).

  9. Why should I use TreasuryDirect?
    • You can buy, manage and redeem Treasury securities online 24/7, from the convenience of home, work, or wherever you have secure Internet access.
    • In addition to savings bonds, you can buy and manage marketable Treasury securities: Treasury bills, notes, bonds and TIPS (Treasury Inflation-Protected Securities).
    • You can establish multiple registrations in one account.
    • You can set up a simple payroll savings plan to automatically invest in savings bonds.
    • You can schedule recurring purchases for savings bonds and marketable securities.
    • Your savings bonds purchases are generally added to your account in just one business day.
    • Since the securities are electronic, there is no paper to lose, and no need to go to a local financial institution to redeem them.
    • When the funds are needed, and after the minimum holding period has been reached, you can redeem part or all of your savings bonds. The payment will be deposited to your checking or savings account, and the funds should reach your financial institution in just one business day.
    • You can establish accounts for minor children and for specific purposes such as education or vacations.
    • You can view and print your account summary, including recent purchases, payments and account balance.

  10. How do I sign up for a TreasuryDirect account?
  11. You can apply for a TreasuryDirect account in just three steps which take about 10 minutes at www.treasurydirect.gov. You will need to provide a few pieces of personal information, including your Social Security number or taxpayer identification number, e-mail address, and bank account and routing number. Finally, you will choose a password, password reminder and security questions. Once you complete all three steps, you will receive an e-mail from TreasuryDirect with your account number and an access card will arrive in the mail within 14 days that will enable you to manage your account. To view a video about opening a TreasuryDirect account, visit http://www.treasurydirect.gov/indiv/myaccount/myaccount_demo.htm.

  12. To use TreasuryDirect, do I need to have a bank account, Internet access and an e-mail account?
    Yes. You will need to have an account at a financial institution to receive direct deposit payments and as a potential funding source for purchases. You also will need Internet access to view and use your account. Finally, an e-mail address is necessary so you can receive important messages about your account. TreasuryDirect is Section 508 compliant to meet the needs of persons with disabilities.

  13. Is the TreasuryDirect website safe and secure?
    Yes. The infrastructure TreasuryDirect resides on is well protected and the TreasuryDirect system uses several features to ensure the safety of the information you provide and the transactions you perform. For example:
    • Secure Sockets Layer Technology (SSL): TreasuryDirect uses SSL which is a common protocol for sending payment information securely over the Internet. SSL works by using a private, mathematical key to encrypt (or scramble) data transferred between your web browser and the website you're visiting.
    • Access Card: When you open a TreasuryDirect account, TreasuryDirect will send you an access card in the mail within TreasuryDirect account.
    • Virtual Keyboard: TreasuryDirect uses a virtual keyboard to help protect your password.
    • Password: You choose your own password and can change it any time.
    • Customer Hold: As an added security feature, TreasuryDirect allows you to place a hold on your account if you feel your account access information has been compromised.
    • Paper Forms: For your protection, changes to your bank information and certain security transfers require the submission of a signed and certified paper form.

  14. Will the annual savings bond purchase limit change, in light of the decision to stop selling paper savings bonds?
  15. No. Savers can continue to purchase up to $5,000 of electronic Series EE Savings Bonds and $5,000 of electronic Series I Savings Bonds. Tax filers could purchase an additional $5,000 paper bonds using their tax refund.

  16. Tax filers can purchase paper Series I Savings Bonds with their tax refunds. Will those purchases count against the purchase limit through TreasuryDirect?
    No, paper Series I Savings Bonds purchased with tax refunds have a separate purchase limit of $5,000 per year per Social Security number.
  17. How can I learn more about electronic savings bonds, Treasury securities, or TreasuryDirect?
    Visit www.treasurydirect.gov for more information.

TreasuryDirect and SmartExchange are registered marks of the U.S. Department of the Treasury