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Account information accurate as of 5/22/2008

Personal Accounts

Hometown Checking 
Our most popular checking account
Free checking, no minimum balances required, no service charges
Unlimited check writing
Images of all
Advantage Money Market 
Free if you maintain an average daily balance for the cycle of $25,000.00 (A $5.00* minimum fee charge will be applied monthly if you fall below the required average daily balance.)

*Interest bearing
*Allowed 6 transactions a month with no more than 3
Health Savings Account 
Minimum balance of $50.00.
A limit of 15 withdrawals per quarter. (A fee of 0.50 will be imposed for each subsequent withdrawal).
Debits/withdrawals are limited to 6 p
Regular Checking 
Free if you maintain an average daily balance for the cycle of $500.00
Minimum fee of $2.25* if your average daily balance falls between $300-$499
Minimum fee of $3.3
Regular Savings 
Free if you maintain an average daily balance for the quarter of $100 (A $1.50* minimum fee will be applied quarterly if you fall below the required average daily balance.)
NOW Checking
 
Free if you maintain an average daily balance for the cycle of $750.00 (A $5.00* minimum fee will be applied monthly if you fall below the required average daily balance.)Dormant charge: If your account is dormant/inactive for
Five Star Club 
For our customers that are 50 or older
Free if you maintain an average daily balance for the cycle of $500.00 (A $5.00* minimum fee will be applied monthly if you fall below the
All Star Club 
For our customers that are 12 years old or younger
Tokens are earned with each deposit of $5.00 or more
Tokens may be used to purchase All Star Club prizes
First Choice Club 
No minimum balance required
Unlimited check writing
Interest-bearing if you maintain an average daily balance for the cycle of $750.00
$
Christmas Cash Club 
$10.00 minimum deposit require to open account
Interest-bearing
Money Market 
Free if you maintain an average daily balance for the cycle of $1,000.00 (A $5.00* minimum fee will be applied monthly if you fall below the required average daily balance)
Business Accounts

Hometown Business 
Free checking, no minimum balances required
Images of all paid checks are kept on file at the bank. 140 debit transactions free per month (A fee of $
Regular Business 
Free if you maintain an average daily balance for the cycle of $750.00
Minimum fee of $4.00* if your average daily balance falls between $500-$749
Minimum fee of $5.5
Business Checking 
Monthly maintenance fee of $3.00*
Fee of $.10* for each debit transaction
Fee of $.08* for each credit transaction
Credit of $.18* for e
NOW Business Checking 
Free if you maintain an average daily balance for the cycle of $1,000.00 (A $7.00* minimum fee will be applied monthly if you fall below the required average daily balance.)
Interest-bearing
Business Money Market 
Free if you maintain an average daily balance of $1,000.00 (A $5.00* minimum fee will be applied monthly if you fall below the required average daily balance.)
Interest-bearing
*Any fees disclosed are subject to Iowa Sales Tax.
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