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Personal

Personal Checking

ValueE-PremierPreferredSeniorStudent


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Minimum Balance to Open

$50

$50

$500

$100

$50

Transaction Requirements

None

To qualify to earn the higher tier interest rate you must have a minimum of 10 debits per month & one recurring electronic debit or credit into account per month.

None

None

None

Min Balance to Avoid Fee

$0

$0

$500
$10 fee if account balance falls below min balance in a statement cycle.

$100
$7 fee if account balance falls below min balance in a statement cycle.

$0

Other Fees

Excess debit fee $.25 for each debit over 25 per month.

$5 fee every statement cycle if not enrolled in online banking and mobile banking usage of at least 1x per month.

None

None

None

Interest Bearing

No

Yes

Yes

No

No

Min Balance to Receive APY

N/A

$.01

$500

N/A

N/A

First Debit Card FREE

No

Yes

Yes

Yes

Yes

FREE Online Banking, Mobile Banking and Bill Pay

Yes

Yes

Yes

Yes

Yes

Online Statements Available

Yes

Yes
Required to avoid fees.

Yes
Required to avoid fees.

Yes

Yes

24 Hour Phone Access

Yes

Yes

Yes

Yes

Yes

Personal Savings

BasicSupremeGolden BridgeChristmas Club


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Minimum Balance to Open

$50

$500

$1,000

$5 minimum $2,500 maximum

Transaction Limits

6 withdrawals per month
6 transfers per statement cycle.

6 withdrawals per month
6 transfers per statement cycle.

6 withdrawals per month
6 transfers per statement cycle.

$10,000 overall deposit limit Deposits accepted to the 2nd week in October.

Min Balance to Avoid Fee

$50
$2 service fee if falls below any day of the statement cycle.

$500
$2 service fee if falls below any day of the statement cycle.

$1,000
$10 service fee if falls below any day of the statement cycle.

$0

Min Balance to Receive APY

$50

$500

$1,000

$0.01

Other Fees

$1 withdrawal fee in excess of 6 per month.

$1 withdrawal fee in excess of 6 per month.

$1 withdrawal fee in excess of 6 per month.

10% of the balance (minimum of $25) will apply to early withdrawals.

FREE Online Banking, Mobile Banking and Bill Pay

Yes

Yes

Yes

Yes

Online Statements

Yes

Yes

Yes

Yes

24 Hour Phone Access

Yes

Yes

Yes

Yes
Healthcare costs are expensive. HOMEBANK is pleased to provide Health Savings Accounts (HSAs) to help simplify managing your medical expenses. See below to find out if a HSA is right for you.

What is a Health Savings Account?

A Health Savings Account (HSA) is a tax-exempt trust or custodial account established exclusively for the purpose of reimbursing qualified medical expenses for you, your spouse and your dependents.


Features of HOMEBANK’s HSA

  • $50 minimum balance to open an HSA
  • $3 monthly maintenance fee
  • Receive your choice of an ATM/VISA card or duplicate checks
  • Monthly account statements
  • View your account balance online
  • Deposited funds will earn interest on balances over $50

Am I Eligible for a HSA?

  • You are eligible to make or receive an HSA regular contribution if, with respect to any month, you:
  • Are covered under a high-deductible health plan (HDHP);
  • Are not also covered by any other health plan that is not an HDHP (with certain exceptions for plans providing preventative care and limited types of permitted insurane and permitted coverage);
  • Are not enrolled in Medicare;
  • Cannot be claimed as a dependent on another person’s tax return

What is an HDHP?

A HDHP is a plan with an annual deductible of at least $1,300 in 2017 & $1,350 in 2018 for single (self only) coverage or $2,600 in 2017 & $2,700 in 2018 for family coverage. These amounts are subject to cost-of-living adjustments (COLAs).


Are There Other Requirements for the HDHP?

Yes. For HSA purposes, the HDHP must limit out-of-pocket expenses. The maximum out-of-pocket expenses, which include money applied to your deductible and your co-insurance for covered charges, must be no more than $6,550 in 2017 & &6,650 in 2018 for single coverage and no more than $13,100 in 2017 & $13,300 in 2018 for family coverage. These amounts are subject to cost-of-living adjustments (COLAs).


How is a HSA Established?

You establish a HSA the same way you establish an IRA – with a qualified custodian.


Who Can Contribute to my HSA?

If you meet the eligibility requirements for a HSA, you, your employer, your family members, and any other person (including non-individuals) may contribute to your HSA. This is true whether you are self-employed or unemployed.


What Happens to My Funds if I Do Not Use Them Within a Year?

A HSA is not a “use it or lose it” account. Your funds will not expire if you do not use them within the year. Funds in your HSA rollover into the next calendar year when there is a balance.


How Much Can I Contribute to My HSA?

Beginning in 2017, HSA contributions are no longer limited by a health plan’s deductible amount, thus raising contribution amounts for most HSA holders. Please refer to the table below for 2017 and 2018 contribution limits.


2017 and 2018 HSA Maximum Contribution Limits

A HSA owner may take a one time (once-in-a-lifetime) tax free distribution from his or her IRA, and transfer that amount to an HSA. The provision does not apply to SEPs or to SIMPLE retirement accounts.

 

Catch-Up Contribution Limits

Additionally, a “catch-up” contribution is available for eligible individuals who are age 55 or older by the end of their taxable year and have not enrolled in Medicare. The chart that follows shows these additional amounts.

 

 


How Do I Withdraw Funds?

Write a check or use your HSA debit card to pay for qualified medical expenses to your health services provider. You may also make a direct withdrawal of funds from HOMEBANK. It is very important to save your receipts and statements. You will need them to complete your annual tax return.


What are the Federal Tax Benefits of a HSA?

Contributions to a HSA are fully deductible. The earnings grow tax deferred, and distributions for qualified medical expenses are tax-free. Consult with your tax or legal professional for guidance.


How Do I Claim the Federal Tax Deduction for My HSA Contribution?

Contributions made by you, your family members, and any other person on your behalf, which do not exceed the maximum annual contribution amount, are deductible by you when determining your adjusted gross income for your federal tax return. You cannot deduct employer contributions, and these contributions will not count as wages for federal income tax purposes.


When is the Contribution Deadline for Funding a HSA?

Regular and catch-up HSA contributions can be made at any time for a taxable year up to and including your federal income tax return due date, excluding extensions, for that taxable year. The due date for most taxpayers is April 15.


How are HSA Distributions Taxed?

Distributions from your HSA, used exclusively to pay for qualified medical expenses for you, your spouse, or your dependents, are excludable from your gross income. Any other distributions are includable in your gross income and are subject to an additional 10 percent tax on the amount includable, except in the case of distributions made after your death, your disability, or your attainment of age 65. HSA distributions that are not rolled over will be taxed as income in the year distributed, unless they are used for qualified medical expenses. Any qualified medical expenses must be incurred only after the HSA has been established.


What Happens to my HSA in the Event of my Death?

  • Spouse Beneficiary – If your spouse is the beneficiary of your HSA , the HSA becomes his/her HSA.
  • Non-Spouse Beneficiary – If your beneficiary is not your spouse, the HSA will cease to be a HSA as of the date of your death. If your beneficiary is your estate, the fair market value of the HSA, as of the date of your death, is taxable on your final return. For other beneficiaries, the fair market value of your HSA is taxable to that person in the tax year that includes such date.
  • For your reference, please refer to IRS Publication 592 – Covered Medical Expenses and IRS Publication 969 – Health Savings Accounts.
  • For more information about HOMEBANK’s Health Savings Accounts, please contact one of our Customer Service Representatives at (573) 769-2001.
  • This information is effective for tax year 2017 and thereafter. This information is intended to provide general information concerning federal tax law governing HSAs. It is not intended to provide detailed explanation of the rules or how such rules may apply to your individual circumstances. For specific information, you are encouraged to consult your tax or legal professional. The IRS web site, www.irs.gov, may also provide helpful information.

Certificate of Deposit (CD)

  • CDs are a secure investment for your money in a variety of term lengths and interest rates.
  • We offer a variety of options to meet everyone’s 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%

Individual Retirement Account (IRA)

  • Your investments today can impact how you live tomorrow.
  • Prepare for your future and receive a tax-advantage.

 

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%

Round Up Savings

  • Round up each purchase to the closest dollar amount.
  • Change rolls into your HOMEBANK checking or savings account.
  • Stop by any of our branch resource centers to sign up.

Overdraft Options

  • Safeline – Line of Credit tied to your checking account.
  • Auto Transfer – Use your other HOMEBANK accounts to transfer funds if needed to cover your overdraft.
  • Allowable Overdraft – Available for your account based on specific requirements – just ask for details.

Cards

Debit Cards

  • Automatically withdraws funds from your checking account.
  • Accepted anywhere VISA is accepted.
  • Turn your card on or off using our Mobile App.
  • Receive transaction alerts via email.

Credit Card

  • We offer a VISA credit card that carries no annual fee and a low, variable APR.
  • Earn reward points when using your VISA credit card.

Gift Cards

  • Make gift giving easy and pick up a gift card for any denomination at HOMEBANK today.

Virtual Wallet

visa checkout apple pay samsung pay android pay

Safe Deposit Boxes

  • Safe and secure place to store your valuables in multiple sizes.
  • Located in Palmyra, Quincy, Hannibal and Centralia.

Reorder Checks

  • Click here to reorder checks

Mortgage Loans

  • Conventional Fixed Rate.
  • Purchase or refinance with terms up to 30 years.
  • No/Low Down Payment.
  • Programs include FHA, VA and USDA Rural Housing with terms up to 30 years.

 

Home Equity Line of Credit (HELOC)

  • Use lendable equity in your existing home for flexible spending purposes.

 

New Construction and Home Improvement Loans

  • Use lendable equity in your existing home for renovations.

 

Consumer Loans

  • Automobile
  • Motorcycle
  • Watercraft
  • Recreational Vehicle
  • Personal
  • Certificate of Deposit

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.

Checking & Savings Account Rates


 

Checking & Savings Accounts

Minimum Deposit to Open AccountMinimum Balance to Obtain APYInterest RateAnnual Percentage Yield (APY)

E-PREMIER CHECKING*

$50.00

$0.01 - $25,000.00

1.49%

1.50%



$25,000.01 +

0.10%

0.10%

If you do not meet account requirements

0.05%

0.05%

PREFERRED NOW CHECKING

$500.00

$500.00 - $2,499.99

0.01%

0.01%



$2,500.00 +

0.05%

0.05%

E-MONEY MARKET

$2,500.00

$2,500.00 - $9,999.99

0.10%

0.10%



$10,000.00 - $24,999.99

0.15%

0.15%



$25,000.00 - $49,999.99

0.20%

0.20%



$50,000-$99,999.99

0.25%

0.25%



$100,000 +

0.30%

0.30%

MONEY MARKET

$2,500.00

$2,500 - $9,999.99

0.02%

0.02%



$10,000.00 - $24,999.99

0.05%

0.05%



$25,000 - $49,999.99

0.10%

0.10%



$50,000-$99,999.99

0.15%

0.15%



$100,000 +

0.20%

0.20%

BASIC SAVINGS

$50.00

$50.00

0.10%

0.10%

SUPREME SAVINGS

$500.00

$500.00

0.20%

0.20%

GOLDEN BRIDGE SAVINGS**

$1,000.00

$1,000.00

0.50%

0.50%

CHRISTMAS CLUB

$5.00

$5.00

0.25%

0.25%

HEALTH SAVINGS ACCOUNT

$50.00

$50.00 - $9,999.99

0.20%

0.20%



$10,000.00 - $24,999.99

0.25%

0.25%



$25,000.00 +

0.50%

0.50%

*For account balances greater than $25,000.00, a blended rate of 1.50% – 0.10% APY will be shown on the monthly account statement.

**Must be 50 years of age or older

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 website, 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.

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 us toll free at 1-855-577-2001.

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.