Personal Checking Accounts

A checking account is generally the most-used component of the banking experience for a majority of people. Therefore, it is important to choose a checking account that helps you to accomplish your main financial goals. Whether you are looking for help saving, an easy way to spend, or just something that doesn’t require your attention, Home Federal has the right checking account for you. Compare personal checking accounts in the table below. To find out more about a particular account, click on the account title in the chart below.

  Advantage Checking Interest Advantage Checking Health Savings Account
Description Basic Account Earns higher interest on balances up to $5,000.00 when qualifications are met Covers cost of high-deductible health insurance plan on tax-free basis
Monthly Service Fee No $10.00 (options to waive) No
Minimum Opening Deposit $25.00 $25.00 $50.00
Paper Statements $2.50 if under 55 years of age $2.50 Free
Annual Credit Report $5.00 $5.00 $5.00
Out of Network ATM Fees 4 free per statement, then $2.00 each None for ATMs that are in the MoneyPass network None
Checks $10.00 off first box Market Price None
Mobile Deposit
Occasional Overdraft Protection (OOPS) *  
Bill Pay
Sweep Overdraft Protection  
Earns Interest  
  Learn More Learn More Learn More

Regardless of the account you choose, make sure to learn more about CardGuard and Mobile Wallets to help protect your account from fraud.


If you're interested in checking account options for business banking, view our For Profit and Nonprofit business banking pages.


* OOPS is a courtesy where the Bank may pay overdraft items up to the bank determined limit (generally $250). A fee of $37.50 will be assessed on each overdraft item paid. Item includes check, ATM withdrawal, in person withdrawal, Debit MasterCard purchase and other electronic debits. There is also a fee of $7.00 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.