business

Business

Business Accounts

Business & Industry
Level 1
Business & Industry
Level 2
Business
Interest
Business
Money Market

Minimum Balance to Open

$100

$100

$100

$2,500

Fees & Charges

All accounts with fewer than 200 items (checks paid, deposits made, deposited items, ACHs) will not receive a monthly account maintenance charge. Once the item limit exceeds 200 the account will assume Level 2 business features and charges.

Account Analysis will be performed. All accounts with over 200 items (checks, deposits made, deposited items, ACHs) will receive a monthly account maintenance charge of $10 and additional charges based upon the account analysis format (per item charges for debits and credits). Charges may be offset by maintaining a sufficient balance in the account based on an earnings credit calculation.

Monthly maintenance fee of $10 and additional fees based on items (checks, deposits made, deposited items, ACHs).

Monthly maintenance fee of $10 and additional fees based on items (checks, deposits made, deposited items, ACHs). Transfers from a Money Market account to another account or to a third party by preauthorized, automatic, telephone or computer transfer are limited to six per statements cycle. An excess debit fee of $5.00 will be charged for each debit transaction, in excess of the six allowed transactions. $15 fee will be imposed every statement cycle the balance in the account falls below $2,500 any day of the cycle.

Required Monthly Min Balance to obtain APY

$0

$0

Interest will be paid on all positive balances.

$2,500

Interest Bearing

No

No

Yes

Yes

Online Banking

Yes

Yes

Yes

Yes

Receive Statements Electronically with Check Images

Yes

Yes

Yes

Yes

Account Analysis

No

Yes

No

No

FDIC Insurance

Yes

Yes

Yes

Yes

Contact a member of our Business Banking Team for more information or how to enroll.

 

Certificate of Deposit Rates (CD)


 

  • A CD is a secure investment for your money in a variety of term lengths and interest rates.
  • We offer a variety of options to meet individual needs.

 

Certificate of Deposit Rates (CD)

TERMMINIMUM DEPOSIT TO OPEN ACCOUNTMINIMUM BALANCE TO OBTAIN APYINTEREST RATEANNUAL PERCENTAGE YIELD (APY)

3 MONTHS

$2,500.00

$2,500.00

0.15%

0.15%

6 MONTHS

$2,500.00

$2,500.00

0.25%

0.25%

12 MONTHS

$2,500.00

$2,500.00

0.45%

0.45%

18 MONTHS

$2,500.00

$2,500.00

0.50%

0.50%

24 MONTHS

$2,500.00

$2,500.00

0.70%

0.70%

30 MONTHS

$2,500.00

$2,500.00

0.80%

0.80%

36 MONTHS

$2,500.00

$2,500.00

1.10%

1.10%

48 MONTHS

$2,500.00

$2,500.00

1.34%

1.35%

60 MONTHS

$2,500.00

$2,500.00

1.59%

1.60%

Cash Management


 

Payroll Direct Deposit

  • Save time and add convenience by offering direct deposit into your employee’s account.

Collect Payments

  • Save time and money by replacing invoicing with EFT payments from authorized consumer accounts. Use our collect payments template to originate EFT payments from your consumer accounts, whether authorized in writing, by phone or over the Web.

Depository Transfers

  • Save time by transferring funds electronically between your accounts at HOMEBANK. Next day transfers are processed electronically between your company accounts.

Import/Export Capability

  • Reduce error and save time by using HOMEBANK import/export functionality. Manage large ACH files locally on a spreadsheet for uploading into a batch, or easily import or export tab-delimited files to spreadsheet applications.

 

Electronic Federal Tax Payments

  • Take control, with our electronic tax payments service. You can directly initiate an “ACH CREDIT” for different types of federal tax payments, such as 941 payroll tax deposits. Our system will create the ACH credit to the US Treasury in accordance with Federal Tax Payment requirements.

 

Sub-User administration

  • Be in charge of your business banking with Sub-User Administration. Save valuable time and increase efficiencies by conveniently assigning specific account access, dual control privileges, and transaction limits to your employees independently, without direct communication with your financial institution.

 

Wire Requests

  • Save time and add convenience by entering wire requests online.

 Positive Pay


  • Automate fraud detection on your account. Use the services to match the account number, check number and dollar amount of each check presented for payment against a list of checks previously authorized and issued by you.

 

Remote Deposit Capture


  • Save time and increase efficiency by depositing checks from your home or office.
  • Electronically transmit check images and related information quickly to the Bank for processing.

 

Secure Pay


Simplepay– consumer or commercial customers can pay anyone or any company through your online banking account.

Securepay– for commercial customers who have businesses big or small.

  • Designed to meet the needs of today’s businesses.
  • Make payments, customize reports, delegate tasks, and permission control.
  • Gives you more time to focus on your business.

 Merchant Processing


 

  • Partnering with BASYS, we offer customized credit and debit processing programs.
  • We conduct an in depth analysis of your business processing needs before designating the right program for you.

Cards


 

Payroll Cards

  • Great option to Direct Deposit when employees do not have a bank account.
  • Give your employees a card with their paycheck already loaded on it. Functions like a debit card.

Business Debit

  • Debit Card purchases come directly from your checking account.

Business Credit

  • VISA Business credit card and VISA Business Reward credit card with no annual fee and a low, variable APR.

Gift Cards

  • Make gift giving easy and pick up a gift card at HOMEBANK.

 Reorder Checks


  • Click here to reorder checks.

Commercial Loans

  • Real Estate
  • Operating Lines of Credit
  • Equipment
  • Construction and Development

 


 

Agricultural Loans

  • Real Estate
  • Operating Lines of Credit
  • Equipment Loans
  • Livestock
  • Agri-business

Online Banking

  • Bank Anytime, Anywhere.
  • Check account balances and activity.
  • Pay bills online using Simple Pay.
  • Securely transfer funds between HOMEBANK and external accounts.
  • View Statements.
  • Account alerts online.
  • View check images.
  • Use our PFM – your Personal Finance Manager – feature.

Mobile Banking

  • Bank anywhere with our mobile app.
  • Check your account balances and activity.
  • View check images.
  • Securely transfer funds between HOMEBANK and external accounts.
  • Pay bill with mobile bill pay.
  • Deposit checks with mobile check capture.
  • View your statements.
  • Manage your VISA check card with card ON/OFF.
  • Find a HOMEBANK Resource Center or ATM location.
  • Contact us.

Download your HOMEBANK Mobile App today!

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Instructions to enroll for Online Banking:

  1. Click “New User Signup”.
  2. Answer the out of wallet questions.
  3. Create a username and security code.
  4. Check your inbox for the email address previously provided.
  5. Enter username and create password.
  6. Select 3 security questions.
  7. Create a personal greeting and select a security image.
  8. Login to online banking and verify email address.

Business Account Rates


 

Business Account Rates

MINIMUM DEPOSIT TO OPEN ACCOUNTMINIMUM BALANCE TO OBTAIN APYINTEREST RATEANNUAL PERCENTAGE YIELD (APY)

BUSINESS INTEREST CHECKING

$100.00

$100.00

0.50%

0.50%

BUSINESS MONEY MARKET*

$2,500.00

$2,500 - $9,999.99

0.25%

0.25%


$10,000 - $24,999.99

0.40%

0.40%


$25,000 - $49,999.99

0.55%

0.55%


$50,000 - $99,999.99

0.70%

0.70%


$100,000+

0.85%

0.85%

PUBLIC FUNDS INTEREST CHECKING - NON ICS

$0.00

$1.00

0.25%

0.25%

PUBLIC FUNDS INTEREST CHECKING - USING ICS

$0.00

$1.00

0.75%

0.75%

*New accounts must have a qualifying business deposit account


IRA Rates


 

IRA Rates

TermMINIMUM DEPOSIT TO OPEN ACCOUNTMINIMUM BALANCE TO OBTAIN APYINTEREST RATEANNUAL PERCENTAGE YIELD (APY)

TIME OPEN SAVINGS

$50.00

$50.00

0.70%

0.70%

12 MONTHS

$2,500.00

$2,500.00

0.45%

0.45%

24 MONTHS

$2,500.00

$2,500.00

0.70%

0.70%

36 MONTHS

$2,500.00

$2,500.00

1.10%

1.10%

48 MONTHS

$2,500.00

$2,500.00

1.34%

1.35%

60 MONTHS

$2,500.00

$2,500.00

1.59%

1.60%
  • Identity Theft

    Identity theft happens when someone steals your personal information and uses it without your permission to do things like open credit cards or other loans in your name, steal bank account information, file taxes or even file health insurance claims under your name. It is a serious crime that can wreak havoc with your finances, credit history, and reputation – and it can take time, money, and patience to resolve. As your community bank, we know that having the right tools available to help you protect your identity is important. We have many tips, resources and providers available to help you protect your identity and guide you if your identity is stolen.


    What to do if Your Identity is Stolen

    • This packet, put out by the Federal Trade Commission, has all the information, step by step instructions, and contact information to help get you back on track after your identity has been stolen. What to do if your identity is stolen

    Security Tips

    • Retrieve mail promptly; send bills and other sensitive documents from a secure mailbox. Shred private documents: receipts, applications, bank statements, etc. Sign up for online statements to prevent theft of paper documents.
    • Review your credit report at least once a year. Monitor your credit activity and alert the reporting agencies of any suspicious activity or significant changes to your credit score. Keep all your information up-to-date with HOMEBANK. This includes your current phone numbers, mailing address, and email addresses.

    Online Security Tips

    • Do not use your Social Security number as your username and/or password. Change your usernames and passwords regularly and use combinations of letters (capital and lower case), numbers, and special characters (for example, *, #, !). Do not use the same username and/or password for multiple accounts.
    • Protect your passwords. Do not write them down or share them with anyone.
    • Protect your answers to any security questions. Select questions and provide answers that are easy for you to remember, but hard for others to guess. Do not write down your security questions or answers or share them with anyone. Please note that we will never ask you to provide answers to your security questions via email.
    • Use secure websites for transactions and shopping. Shop with merchants you know and trust. Make sure Internet purchases are secured with encryption to protect your account information. Look for “secure transaction” symbols: for example, a lock symbol in the lower right-hand corner of your web browser window, or “https://…” in the address bar of the website. The “s” indicates “secured” and means the web page uses encryption.
    • Always log off from online banking and any website after using your credit or debit card, or other sensitive information. If you cannot log off, quit your browser to prevent any potential unauthorized access to your account information.
    • Close your browser when you are not using the Internet.
    • Be cautious when using public hotspots and consider your Wi-Fi auto-connect settings.

    Email Security Tips

    • Be wary of suspicious emails. Never open attachments, click on links, or respond to emails from suspicious or unknown senders.
    • If you receive a suspicious email that you think is a phish, do not respond or provide any information.
    • If you have inadvertently responded to a phish email with personal or account information, contact 573-769-2001.

    Mobile Banking Security Tips

    • When you use a mobile device for browser or text-based account access, keep these tips in mind:
      • Use the keypad lock or phone lock function on your mobile device when it is not in use. These functions password-protect your device to make it more difficult for someone else to view your information. Also, be sure to store your device in a secure location.
      • Frequently delete text messages from your financial institution, especially before lending, discarding, or selling your mobile device.
      • Never disclose via text message, phone call, or email your personal or financial information, including account numbers, passwords, Social Security number, or birthdate. HOMEBANK will never send a text message to your mobile device asking you for this type of information.
      • Applications (“Apps”) are programs you can download to your mobile device. Apps that let you monitor your finances and conduct certain transactions are increasing in popularity.
      • To ensure the safety of your personal and account information, download mobile apps only from reputable sources.
      • For your security, sign off when you finish using the HOMEBANK app rather than just closing it.
      • If you have suspicions about the authenticity of the HOMEBANK mobile banking app, access your account through your browser at www.myhomebank.bank.

    Computer Security Tips

    • Use a current web browser.
    • Avoid downloading programs from unknown sources.
    • Keep your computer operating system up-to-date to ensure the highest level of protection.
    • Install a personal firewall on your computer.
    • Install, run, and update your antivirus, anti-spyware, and other protective software.
    • Beware of malware infections by drive-by downloads. Drive-by downloads may happen after visiting a malicious or vulnerable website, viewing an email message, or clicking on a deceptive pop-up window. Malware is malicious software that is installed on your computer with harmful intent. Malware, for instance, can capture your login passwords and other personal data. Examples of malware include spyware, adware, viruses, etc.
    • The best way to protect yourself from malware is to exercise caution before installing programs on your computer or opening email attachments. Here are some important precautions:
    • Only install applications and software from well-known, trustworthy companies.
    • Make sure your computer is free of viruses/spyware and has up-to-date anti-virus and anti-spyware software installed.
    • Keep your operating system and browser up-to-date with the latest security updates and patches.
    • Set your browser preferences to block pop-ups, which can contain inappropriate content or have malicious intentions.
    • Back up all sensitive information from your old computer before you discard and erase the hard drive.
    • Change your wireless network default password as well as the default SSID (name used to identify your network). Don’t broadcast your SSID and consider using encryption on your network.
    • Turn your computer off completely when it’s not in use. Don’t leave it in sleep mode. Conduct online banking activities on secure computers only. Public computers (computers at Internet cafes, copy centers, etc.) should be used with caution, due to shared use and possible tampering. Online banking activities and viewing or downloading documents (statements, etc.) should only be conducted on a computer you know to be safe and secure.
    • Make sure your computer software and plug-ins are current. Before downloading an update to your computer program, first go to the company’s website to confirm the update is legitimate.