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 Savings Bank 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 Jubilee Checking Health Savings Account
Description Basic Account Earns higher interest on balances over $5000.00 when qualifications are met For Clients 55 years of age or older. Covers cost of high-deductible health insurance plan on tax-free basis
Monthly Service Fee No $10.00 (options to waive) $15.00 (options to waive) No
Minimum Opening Deposit $25.00 $25.00 $25.00 $50.00
Paper Statements $2.50 if under 55 years of age $2.50 Free Free
Annual Credit Report $5.00 Free $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 4 free per statement, then $2.00 each None
Checks $10.00 off first box First Box Free One Free Box per year None
Mobile Deposit
Occasional Overdraft Protection  
Bill Pay
Sweep Overdraft Protection  
Earns Interest    
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Regardless of the account you choose, make sure to learn more about CardValet 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.