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Checking and Money Market Accounts

We offer several types of N.O.W. checking accounts and a tiered Money Market Account.

Good Neighbor Checking Account

Details:

  • Account may be opened with a deposit of $250.00 or more.
  • No minimum daily balance requirement.
  • No monthly service charge.
  • No per-check charges.
  • A statement of activity is provided monthly.
  • No interest is paid on this account.

No-Minimum Checking Account - Senior Citizen (62+)

Details:

  • Account may be opened with a deposit of $100.00 or more.
  • No minimum daily balance required.
  • No monthly service charge.
  • No per-check charge.
  • Statement of activity is provided monthly.
  • No interest is paid on this account.
  • Hoyne Specialty checks are available in wallet or duplicate for free.

Now Checking

Details:

  • Account may be opened with a deposit of $500.00 or more.
  • A minimum daily balance of $500.00 is required to avoid a monthly service charge.
  • No per-check charges.
  • This is a variable rate account which means that the interest rate and annual percentage yield may change at any time at our discretion.
  • Effective dated transactions and service fees may reduce your annual percentage yield.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

Super Now Account

Details:

  • Account may be opened with a deposit of $2,500.00 or more.
  • A minimum daily balance of $2,500.00 is required to avoid a monthly service charge.
  • No per-check charges.
  • This is a variable-rate account which means that the interest rate and annual percentage yield may change at any time at our discretion.
  • Effective dated transactions and service fees may reduce your annual percentage yield.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

Tiered Money Market Account

Details:

  • Account may be opened with a deposit of $1,000.00 or more.
  • A minimum daily balance of $1,000.00 is required to avoid a monthly service charge.
  • This is a tiered variable-rate account which means that the interest rate and annual percentage yield may change at any time at our discretion.
  • Effective dated transactions and service fees may reduce your annual percentage yield.
  • We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.
  • The number of preauthorized or automatic transfers, third-party checks or Point-of Sale withdrawals (which are considered to be preauthorized transfers) per statement cycle are limited by Federal Law.
  • A minimum deposit of $100.00 or more is required. A minimum withdrawal of $100.00 either in person or by check is generally accepted. Checks written for less than $100.00 may be paid, but a service fee may be charged.

Please refer to our current Terms and Conditions of your Deposit Accounts booklet and our current Schedule of Fees regarding these accounts.

Checking Account Comparison

Account
Details
Good Neighbor Checking No-Minimum Checking AccountNow CheckingSuper Now AccountTiered Money Market Account
Minimum Opening Balance $250$100$500.00$2,500.00
$1,000.00
Minimum Balance to Avoid a Monthly Service Charge $0.00$0.00$500.00$2,500.00$1,000.00
Variable Rate

No interest is paid on this account.

No interest is paid on this account.

check

The daily balance method is used to calculate the interest on your account.

check

The daily balance method is used to calculate the interest on your account.

check

The daily balance method is used to calculate the interest on your account.

Below Minimum Balance Fee No Minimum Balance Fee
No Minimum Balance Fee
$8.00/mo.$8.00/mo.$10.00/mo.