Help me choose
By age 50, you've earned the right to special benefits,
including those designed with travel and personal asset
management needs in mind.
Minimum deposit to open account: $100
Account Details
| • FREE wallet-style checks, money orders, domestic travelers checks, and notary services |
| • Competitive interest rates credited monthly on the entire account balance each day a minimum balance of $1500 is maintained |
| • $500 minimum daily balance or $1,000 average monthly balance waives $5 monthly fee |
| • $5 discount on safe deposit box with auto-debit from Hometown account |
| • $1000 ID Theft Protection - Includes reimbursement of qualified direct costs associated with reporting ID theft and recoving your identity* |
| * This is not a deposit or other obligation of, or guaranteed by, the bank or an affiliate of the bank, and it is not insured by the FDIC or any other agency of the U.S. |
| Current Rates |
| All Balances | Interest Rate: 0.05% | Annual Percentage Yield: 0.05% |
| Annual Percentage Yield (APY) effective as of today's date. Fees may reduce earnings; see TIS Disclosure below for more information. | ||
| Additional Features |
| Online Banking and Bill Pay | Mobile Banking | Visa Check Card or ATM Card |
| e-Statements | FinanceWorks | Reduced Personal Loan Interest Rates* |
| * Payments must be auto-debited from Douglas County Bank account. Real estate-related loans excluded. | ||
Hometown Checking Truth-in-Savings (TIS) Disclosure
Rate Information
This Account is an interest bearing account. The interest rate on the account is 0.05% with an annual percentage yield of 0.05% . The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.
Balance Information
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,500.00 in the account each day to obtain the disclosed annual percentage yield. We will use an interest accrual basis of 365 for each day in the year.
Limitations
You must deposit $100.00 to open this account.
Account Fees
To avoid a monthly fee of $5.00 you must maintain a daily minimum balance of $500.00 or a minimum average balance of $1,000.00 per statement cycle.
Schedule of Fees and Charges
| Automatic Overdraft Transfer | $5 |
| Closing an Account (0-90 days) | $25 |
| Overdraft Fee* | $30 |
| Return Item Fee | $30 |
| Stop Payment (Per Item) | $30 |
| Returned Deposited Item | $5 |
| Statement of Account - Instant | $1 |
| Statement of Account - Duplicate | $3 |
| Statement of Account - Special | $5 |
| Dormant Account Fee | $10 |
*Overdraft Fee may be caused by check, in-person withdrawal, ATM withdrawal (only applies if you have opt'd in), everyday debit card transactions (only applies if you have opt'd in), or other electronic means.
