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 (765)
436-2222 |
Business
Packages
Checking
Accounts
Savings
Accounts
Online Banking
HNB Visa®
Check Card
Overdraft
Business
Loans
Deposit Rates
Certificate of
Deposit Rates
CD Specials
Safe Deposit
Box Rental
Service Fees
Business Services
At Home National Bank, our goal is to offer products and services that meet your unique business needs. You’ll see our commitment in the way we build strong relationships with you and offer solutions that produce superior results. Whether you are a start-up or a 100-year-old business, we truly want to understand your business and are excited about the opportunity to work with you.
We take a simple approach to our business products and services. We learn about your business and tailor solutions specifically for you. We invite you to read through our offerings and discover for yourself the many ways we’re working to meet your business banking needs!
- Unlimited check writing
- Free monthly imaged statements
- Free HNB Visa check card
- Free safekeeping of checks
- Free online banking with Bill Pay available upon request
- E-statement and combined statement upon request
- Free notary service
- Free photocopies (limit of 10 per month)
We also offer remote deposit capture and sweep accounts. Find out how these services can help your business.
Home National Business Packages
HomeFree Business Package offers a free checking account and a variety of basic banking services. Customers that previously had a Home Made Business checking accounts have been moved to Home Free Business, with all the same features and no monthly service charge.
HomeFree Business Checking offers free checking with unlimited check writing, no minimum balance requirement, no monthly service charge and free safekeeping of checks. Online banking is available at no charge and optional Bill Pay service is also free.
Home Business Savings is recommended for savings balances less than $5,000. Interest is compounded and paid quarterly.
Free Online Banking – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our free Bill Pay service.
HNB Visa® Check Card – Use anywhere Visa is accepted. Purchases are automatically deducted from your checking account and conveniently detailed on your monthly statement. Withdraw cash from any ATM plus there’s no fee for withdrawals made at any HNB or Fifth Third Bank ATM.
Overdraft Privilege Protection* – $600 after the account has been opened for 62 days. Overdraft fees apply.
Combined Statements – Upon request, checking and savings statements can be combined into one monthly statement.
E-Statement – Upon request, checking and savings statements can be sent via e-mail.
Business and Agriculture Loans* – Consolidate your business loans with Home National Bank.
Merchant Card Services* - Let us give you a quote!
*Available to qualified customers only
HomeGreen Business Package is for customers that take advantage of the convenience of electronic banking features.
HomeGreen Business Checking earn $.30 on each Visa Check Card purchase of $25 or more, free checking with unlimited check writing, no minimum balance, no monthly service charge, e-mail monthly image statement. Online banking is available at no charge and optional Bill Pay service is also free.
Home Business Savings is recommended for savings balances less than $5,000. Interest is compounded and paid quarterly.
Free Online Banking – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our free Bill Pay service.
HNB Visa® Check Card – Earn $.30 on purchases $25 and over. Use anywhere Visa is accepted. Purchases are automatically deducted from your checking account and conveniently detailed on your monthly statement. Withdraw cash from any ATM plus there’s no fee for withdrawals made at any HNB or Fifth Third Bank ATM.
Overdraft Privilege Protection* – $600 after the account has been opened for 62 days. Overdraft fees apply.
Combined Statements – Upon request, checking and savings statements can be combined into one monthly statement.
E-Statement – Home Green Business accounts require the monthly image statement to be delivered via e-mail.
Certificate of Deposit Bonus – We’ll add .10% over our normal competitive CD interest rate when you bring in new CD money and have the Home Green Business checking account with us. No bonus is available on CD specials.
Business and Agriculture Loans* – Consolidate your business loans with Home National Bank.
Merchant Card Services* - Let us give you a quote!
*Available to qualified customers only
HomePlus Business Package is for customers who keep higher balances in the bank and want to receive interest on these funds.
HomePlus Business Checking is an interest bearing account and offers unlimited check writing and no monthly fee if a balance of $1,000 or higher is maintained during the entire month. If the balance drops below $1,000 during the month, the service charge is $10. Online banking with free Bill Pay option is available. Interest will be compounded and paid monthly on all balances. Due to regulations, this type of checking account is not available to corporations.
Home Tiered Business Savings is recommended for balances of $5,000 or greater. Interest rates are tiered and will increase as the balance in the account gets larger. Interest will be compounded and paid monthly on all balances. See below or give us a call for current rates.
Free Online Banking – Free access to your accounts and the movement of funds 24 hours a day, 7 days a week. Save time, money and stamps by using our free Bill Pay service.
HNB Visa® Check Card – Use anywhere Visa is accepted. Purchases are automatically deducted from your checking account and conveniently detailed on your monthly statement. Withdraw cash from any ATM plus there’s no fee for withdrawals made at any HNB or Fifth Third Bank ATM.
Overdraft Privilege Protection* – $1,000 after the account has been opened for 62 days. Overdraft fees apply.
Combined Statements – Upon request, checking and savings statements can be combined into one monthly statement.
E-Statement – Upon request, checking and savings statements can be sent via e-mail.
Certificate of Deposit Bonus – We’ll add .15% over our normal competitive CD interest rate when you bring in new CD money and have the Home Plus checking account with us. No bonus is available on CD specials.
Business and Agriculture Loans* – Consolidate your business loans with Home National Bank.
Merchant Card Services* - Let us give you a quote!
*Available to qualified customers only
Home National Bank Business Checking Accounts
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Home Free Business Checking Home Green Business Checking Home Plus Business Checking |
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Home National Bank Business Savings Accounts
Home Business Savings
- Recommended for balances of less than $5,000
- $20 minimum balance to open account
- Three withdrawals per month at no charge, excess withdrawal fee of $1 each after 3
- Interest will be compounded and paid quarterly on all balances
- See below for current rates or call 765-436-2222
Home Tiered Business Savings
- Recommended for balances of $5,000 or greater
- $20 minimum balance to open account
- Interest will be compounded and paid monthly on all balances
- See below for current rates or call 765-436-2222
Certificates of Deposit
Invest in a Home National Bank certificate of deposit with as little as $1,000. Certificate of deposit terms range from 90 days to 5 years. We frequently offer CD Rate Specials. Also, holders of a Home Green Business or Home Plus Business checking account are eligible to earn a bonus on all normal CD rates (excludes special CDs).
Individual Retirement Accounts
Home National Bank offers a variable rate IRA that changes rates quarterly. The rate is based on the 30 Month CD.
Health Savings Accounts
See a HNB Health Savings Account specialist for details or click on the link for more information.
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Home National Bank Online Banking
Enjoy the convenience of 24 hour access to your bank accounts. With our secure system, you can take advantage of all the features Online Banking offers:
- Secure access to all your HNB accounts to check balances and see transaction history
- CheckFree Bill Pay option available at no charge to all customers.
- Transfers between HNB checking & savings accounts and to make HNB loan payments
- Online stop payments requests
- Online check reorders
- Download account information to use in account software packages
- Secure email allows you to send inquiries directly to bank personnel
It’s easy and convenient to use. Please contact us if you have any questions or need assistance.
Report lost or stolen HNB Visa® Check Cards anytime by calling 800-528-2273
Instead of writing a check to pay for a purchase, use a HNB Visa® Check Card. The amount of the purchase is deducted from your checking account and detailed on your monthly statement. It’s quick, easy and safe.
You can use the HNB Visa® Check Card anywhere Visa is accepted. You can use it for almost anything including: gas, groceries, restaurants, stores, catalog-internet-phone orders, just to name a few.
For your protection, HNB Visa® Check Cards are issued with a preset limit of $1,000 per day for purchases (gas stations, grocery stores, restaurants, et.) and $500 for cash withdrawals. Limits can be raised by contacting the bank at 765-436-2222.
In addition, the HNB Visa® Check Card is also monitored by a fraud prevention service that will block access to the card if fraudulent use is suspected. The service will attempt to contact the cardholder to verify the use or will keep the card blocked to prevent further use until we talk with the customer.
The HNB Visa® Check Card also allows access your account(s) by ATM using your Personal Identification Number (PIN) to:
- Make cash withdrawals from checking or savings account(s)
- No fee withdrawals at ATM’s at HNB or Fifth Third Banks.
- Transfer funds between HNB accounts
- Obtain information about account balances
- Change your PIN at HNB’s ATM or call customer service for assistance.
HNB Overdraft Privilege Protection*
Unanticipated expenses or mathematical errors can leave your checking account short of cash. In addition, having a check returned due to insufficient funds is terribly embarrassing.
We have created HNB Overdraft Privilege as a special privilege for our checking account holders. If we receive a check, or checks, which will overdraw the balance on your account, we will – at our discretion – strive to pay them up to the limit assigned to your account.
Manage you finances carefully, but know that if something unexpected happens with your account, the HNB Overdraft Privilege may help you avoid the embarrassment of returned checks.
Overdraft Privilege Limits:
- Home Plus Business – has a limit of $1,000
- Home Green Business – has a limit of $600
- Home Free Business – has a limit of $600
HNB Overdraft Privilege has no annual fees, but each item processed that causes your account to be overdrawn will be assessed an overdraft fee of $28.00 (limit of $56.00 per day).
To qualify for HNB Overdraft Privilege, a checking account must:
- Have been opened for at least 62 days
- Have deposits totaling at least $300 every 31 days
- Not be in a negative balance longer than 30 days
- Not be the subject of any legal or administrative order or levy
- The account holder may not be in default on any loan obligation to the bank
- The account holder must be at least 18 years of age.
Please contact a customer service representative if you have questions regarding HNB Overdraft Privilege.
*Available to qualified customers only
Home National Bank Business Loans
Business Term Loans* - Home National Bank provides commercial term loans to help finance machinery, equipment, real estate and more. We will work with you to customize the terms of the loans to help you accomplish your goals.
Business Lines of Credit* - Revolving lines of credit for use as working capital are available from Home National Bank to ensure you always have the funds you need to make the right business decisions. When you determine that you need the money now, it will be available for you to draw upon.
Real Estate Financing* - Home National Bank provides construction lending as well as permanent financing. We also do purchase financing and refinancing of current loans outstanding.
Agricultural and Farm Lending* - Home National Bank provides both term financing and lines of credit for our agricultural customers. We learn about your individual circumstances and put together a solution that will meet your specific needs.
Automobile Financing* - Borrow up to 90% of the value of your vehicle which is five years old or newer. Terms range from 24-60 months. Loans above 90% can be made to those who qualify.
*Available to qualified customers only
Home National Bank
Deposit Rates
Rates as of
6/30/2009
| Interest Rates | Annual Percentage Yield | |
| Home Plus Checking | 0.25% | 0.25% |
| Home Savings | 0.25% | 0.25% |
| Home Tiered Savings | ||
$.01 - $4,999.99 |
0.25% | 0.25% |
$5,000.00 - $24,999.99 |
0.35% | 0.35% |
$25,000.00 - $49,999.99 |
0.35% | 0.35%. |
$50,000.00 - $99,999.99 |
0.35% | 0.35% |
$100,000.00 and above |
0.35% | 0.35% |
The entire balance will earn the rate of the highest tier reached. For example a balance of $52,000.00 will earn .35% on the entire balance. |
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| Home Grown Kids Savings | 2.20% | 2.21% |
For children up to age 18 or 22 if a qualifying student. |
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| Home Grand 55 Checking | ||
$ .01 - $4,999.99 |
0.10% | 0.10% |
$5,000.00 - $9,999.99 |
0.25% | 0.25% |
$10,000.00 - $24,999.99 |
0.35% | 0.35% |
$25,000.00 - $49,999.99 |
0.35% | 0.35% |
$50,000.00 - $99,999.99 |
0.35% | 0.35% |
$100,000.00 and above |
0.35% | 0.35% |
Available to customers age 55 and better. The entire balance will earn the rate of the highest tier reached. For example a balance of $28,000.00 will earn .35% on the entire balance. |
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Certificates
of Deposit
Rates as of
6/30/2009
Term |
Minimum Deposit |
Interest Rate |
Annual Percentage Yield |
| $1,000 | 0.35% | 0.35% | |
| $1,000 | 0.90% | 0.90% | |
| $1,000 | 1.15% | 1.16% | |
| $1,000 | 1.30% | 1.31% | |
| $1,000 | 1.46% | 1.47% | |
| $1,000 | 1.60% | 1.61% | |
| $1,000 | 1.90% | 1.92% | |
| $1,000 | 3.00% | 3.04% | |
| $1,000 | 3.20% | 3.25% |
Call (765) 436-2222 for rates for CDs over $100,000.
Rates are subject to change.
Stop by or call (765) 436-2222 for the most current rates.
Home National Bank CD Specials
Rates as of
6/30/2009
| Term/Special | Minimum | Interest Rates | Annual Percentage Yield |
| 5 Month CD | $5,000.00 | 1.73% | 1.74% (no bonus) Must have HNB checking account to qualify for rate. |
| 15 Month CD | $5,000 | 2.00% | 2.02% (no bonus) Must have HNB checking account to qualify for rate. |
| 25 Month CD | $5,000 | 2.37% | 2.40% (no bonus) Must have HNB checking account to qualify for rate. |
Call (765) 436-2222 for rates for CDs over $100,000.
Rates are subject to change.
Stop by or call (765) 436-2222 for the most current rates.
Penalty for early CD withdrawal:
• CD maturing in 1 year or less – penalty is 3 months of interest
earned or would have been earned.
• CD maturing in over 1 year – penalty is 6 months of interest
earned or would have been earned.
Home National Bank Safe Deposit Rental
Size |
Price Per Year |
3 x 5 Box |
$15.00 |
5 x 5 Box |
$20.00 |
3 x 10 Box |
$25.00 |
5 x 10 Box |
$35.00 |
Home National Bank Service Charges
Service
charges that may be assessed against your account: |
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| Check Printing | Fee depends on style of checks ordered |
| Cashier’s Checks | $5.00 |
| Certified Checks | $4.00 |
| Personal Money Orders up to $250 | $1.25 |
| Paid Overdraft (Maximum 2 items charged per day) | $28.00 |
| Nonsufficient Funds (NSF) Item (Each) | $28.00 |
| NSF Daily Maximum Charge | $56.00 |
| Stop Payments | $20.00 |
| Domestic Wire Transfers | |
| Outgoing | $12.00 |
| Incoming | $10.00 |
| Foreign Wire Transfers | Call 765-436-2222 for Current Rates |
| Statement History (by hour with $10 minimum charge) | $20.00 |
| Balance Statements (by hour with $5 minimum charge) | $10.00 |
"Home National Bank has helped us every step of the way in expanding our business here in Boone County. When we needed financing to grow our business, Home National was there. We can’t say enough good things about our bank….they’re our friends as well as our bankers.."
-Elmer & Helen Parks, Culligan Water Cond. Of Boone Co.
