Home State Bank uses the daily balance method to calculate interest on your account and  pays you interest compounded monthly at the interest rate of .25% regardless of balance, and credits it monthly to your account. (A .25% interest rate calculates out to an Annual Percentage Yield of .25%).  Interest is variable and can change with market conditions at any time at our discretion.
    
Interest begins to accrue on the business day you deposit noncash items (for example, checks).

If a minimum balance of $1,000.00 is maintained, there are no fees.  However, if the daily balance falls below the minimum, a monthly fee of $7.50 will be assessed as well as a per item fee of 20¢ per check or debit if over 20 are initiated in a month.

If the account is closed before interest is credited, you will not receive the accrued interest.

A BANKEASY Visa debit card is available with this account for only $1.00 per month & a 60 cent per transaction fee at ATM's.
(No fee for point of sale purchases)

If the account is closed before interest is credited, you will not receive the accrued interest.

Re-Order Checks