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Choice Checking

You deserve to place your money in a secure account with a chance to grow. Choice Checking is an account with many great benefits. Depending on how you bank, you can earn any of the following rewards:

Choice Checking Qualifications

  • 5000 Uchoose Rewards® Points
  • No Home Federal fees at any ATM
  • Free Foreign Fees at Non-Home Federal ATM's, up to $10
  • Free year Safe Deposit Box Rental with purchase of 1st year
  • Free Bill Pay
  • Free Annual Credit Report
  • Free Annual Financial Check-up
  • Discount on First Box of Checks
  • Loan Discounts
  • Increased Certificate Rates
  • Courtesy Overdraft Protection - OOPS*

Have a question? Contact us.

*OOPS is courtesy where the bank may pay overdraft items up to a bank determined limit (generally $500). A fee of $35.00 will be assessed on each overdraft item paid. Item includes check, ATM withdrawal, in person withdrawal, Debit Master Card purchase, and other electroninc debits. There is also a fee of $6.00 per day the account remains overdrawn more than 5 days. The total amount of any overdraft items plus fee is due and payable upon demand. It is recommended the balance be repaid within 5 days.

Home Free Checking

At Home Federal, our "Home Free Checking" account is completely free!

Our "totally free" checking account has no monthly maintenance fees or balance requirements.

Freedom Checking provides great benefits as well as flexibility. This account includes a free Debit MasterCard that you can use at retailers and ATMs worldwide.

Benefits Include:

  • No Minimum Balance Requirements 
  • Free Debit MasterCard 
  • Free eStatements 
  • Free Bill Pay 
  • Unlimited Teller and Debit Transactions 
  • Discount on First Box of Checks
  • Unlimited Check Writing

55+ Checking

A flexible, friendly account loaded with extras designed for customers 55 years of age or better.

55+ Checking provides great benefits as well as flexibility. This account includes a free Debit MasterCard that you can use at retailers and ATMs worldwide.

Benefits Include:

  • Free Standard Specialty Blue Checks or $10 Discount
  • Live Phone Support 
  • Courtesy Overdraft Protection 
  • Free eStatements 
  • Free Bill Pay
 Pays InterestDebit CardFree ChecksOpening DepositMonthly FeeOther Features
Choice Checking Yes Free No $25 No**
  • Free ATM withdrawals
  • $10 foreign ATM fees waived per month
  • No minimum balance
Home Free Checking No Free No $25 No
  • 5 Free ATM withdrawals monthly
  • No minimum balance
55+ Checking Yes Free Yes $25 No
  • 10 Free ATM withdrawals monthly
  • Free Official Checks and Money Orders
  • No minimum balance

Have a question? Contact us.

All Home Federal Checking Accounts Offer: Free Online Banking and Free Online Bill Pay. Free Transactions at Home Federal and Kwik Trip/Kwik Star ATMs

*OOPS is courtesy where the bank may pay overdraft items up to a bank determined limit (generally $500). A fee of $35.00 will be assessed on each overdraft item paid. Item includes check, ATM withdrawal, in person withdrawal, Debit Master Card purchase, and other electroninc debits. There is also a fee of $6.00 per day the account remains overdrawn more than 5 days. The total amount of any overdraft items plus fee is due and payable upon demand. It is recommended the balance be repaid within 5 days.

**Certain limitation and qualification conditions apply - see your Home Federal Representative for details.

Health Savings Account (HSA)

Does your employer offer a high deductible health plan? A Home Federal Heath Savings Account (HSA) coupled with a high deductible health plan is a great way to save for qualified medical expenses, while taking advantage of the tax benefits. You own and control your money in the account, and it enables you to pay for current health expenses while saving for future qualified medical and retiree health expenses on a tax-free basis.

Account details

Getting Started is easy. Contact us for further information.

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