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Your HomeTown Bank Services Direct Deposit
Direct Deposit eliminates
the need for a trip to the bank or mailing the checks for deposit into
your account. Direct Deposit reduces risk of checks being lost in the
mail, misplaced or stolen. Member FDICSafe Deposit Boxes
Sizes from 3" high by 5" wide, to 10" by 10" as available,
at competitive annual rental costs.CAL-Bank By Phone
CAL is our Customer Assistance Line, available 24-hours a day, 7 days a week through
your touch tone telephone.Credit Cards
MasterCard or Visacards offer a competitive annual percentage rate,
an interest-free grace period and available charge account protection.MasterMoney Debit Card
Our Debit Card, for checking accounts only, is a popular alternative to
using cash and checks to pay for purchases at retail locations and
restaurants worldwide. The card may also be used at our ATM locations
at no charge. The use of the Debit Card at ATM's not owned by our bank
will result in a service charge. However, when used at point of sale,
cash may be obtained without service charge.Overdraft Protection
Approval for overdraft protection establishes a personal, unsecured loan of a
predetermined maximum amount to balance your account if you should overdraw, or to
provide you with an immediate personal loan account resource.
Member FDICChristmas Club
A non-interest bearingaccount into which regular deposits can be made during
the year. In November, Christmas Club members receive a check for the amount
deposited during the year. Member FDIC
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