Personal Checking Accounts

Your Purpose is Our Purpose

HNB's Personal Checking Account options make managing your daily spending and banking needs easy and convenient. We offer several account options to provide you with the resources that best suit your banking needs and your lifestyle. Visit one of our office locations to open your account today.

HNB Perks

We're not just about helping you do your banking, we want you to make the most of every day and support your every need. Learn more about all of the benefits available to HNB Select and Premier Checking account holders through HNB Perks powered by BaZing!


Reorder Checks

Reorder Checks quickly and easily online if you do not have an address or name change and know the next starting check number for your reorder. You may also place an order through HNB Online Banking. 

HNB Premier Checking customers may take advantage of their annual complementary box of basic checks or discount on specialty checks by contacting their local HNB Office or calling 1-800-462-9515.

Opening a Checking Account


HNB PREMIER CHECKING

Features and Benefits

Anywhere Banking Tools

HNB Perks

Shop Local, Save Local with BaZing Savings

  • Local discounts and national retailer deals to save you money on shopping, dining, travel and more

Cell Phone Protection 1,2

  • Receive up to $600 per claim ($1,200 per year) if your cell phone is broken or stolen

ID Theft Aid1,2

  • 1B Credit Monitoring: Your credit report is monitored for suspicious activity (additional activation is required)3
  • Credit Report and Credit Score: get a free quarterly credit report and quarterly updated credit score
  • Fraud Resolution: receive expert help on fraud resolution if you become a  victim of identity theft
  • $10,000 Personal Identity Theft Benefit1,2

Roadside Assistance

  • Available 24/7 and free to use, up to $80 in covered service charges

$25,000 Accidental Death Coverage2

  • You're covered for accidental death should the unexpected happen

Health Savings Card

  • Save money on prescriptions, eye exams, frames, lenses and hearing services

Buyer's Protection and Extended Warranty1,2

  • Newly purchased items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, plus one year extended warranty

$700 Overdraft Privilege

  • For qualified account holders
    • Limits apply

Premier Money Market

  • Exclusive to our Premier Checking Account customers, earn an elite interest rate on balances $25,000 or more to maximize your daily financial needs and larger financial goals.*

Additional Banking Benefits

  • Free consultation with HNB Financial Group
  • Safekeeping of wills
  • No fee for money orders and cashiers checks
    • Limits apply

 Account Requirements
  • $8 monthly service charge

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HNB SELECT CHECKING

Features and Benefits

Anywhere Banking Tools


HNB Perks

Shop Local, Save Local with BaZing Savings

  • Local discounts and national retail deals to save you money on shopping, dining, travel and more

Cell Phone Protection 1,2

  • Receive up to $400 per claim ($800 per year) if your cell phone is broken or stolen

ID Theft Aid1,2

  • Includes payment card fraud resolution, $5,000 in personal identity theft benefit and identity restoration

Roadside Assistance

  • Available 24/7 and free to use, up to $80 in covered service charges

$10,000 Travel Accidental Death Coverage2

  • Peace of mind for the unexpected

Health Savings Card

  • Save money on prescriptions, eye exams, frames, lenses and hearing services

Buyer's Protection and Extended Warranty1,2

  • Newly purchased items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 180 days of purchase, plus one year extended warranty

$500 Overdraft Privilege

  • For qualified account holders
    • Limits apply

Account Requirements
  • $5 monthly service charge

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HNB ESSENTIAL CHECKING

Features and Benefits

Anywhere Banking Tools


HNB Perks

ID Theft Aid1,2

  • Includes payment card fraud resolution, $1,000 in personal identity theft benefit and identity restoration

Buyer's Protection and Extended Warranty1,2

  • Newly purchased items are protected for up to $2,500 per item if theft or accidental breakage occurs during the first 90 days of purchase, plus one year extended warranty

$300 Overdraft Privilege

  • For qualified account holders
    • Limits apply

Account Requirements
  • $2 monthly service charge
  • To avoid the $2 monthly service charge, account holder must be the age of 55 or older, maintain a $100 minimum daily balance, or enroll in eStatements
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interest checking

Features and Benefits


Account Requirements
  • $1,000 minimum daily account balance to waive $5 monthly service fee4

MONEY MARKET DEPOSIT Account (MMDA)

Features and Benefits


Account Requirements
  • $1,000 minimum daily account balance to waive $5 monthly service fee4

INVESTORS ADVANTAGE (MMDA)

Features and Benefits

  • Check Writing1
    • Limits may apply
  • Online Banking
  • Mobile Banking with Mobile Deposit
  • Visa® Debit or ATM Card
  • Telephone Banking
  • eStatements and Notices
  • Earn tiered-interest on account balances when each tier is reached:
    • Less than $2,500
    • $2,500 - $9,999.99
    • $10,000 - $24,999.99
    • $25,000 - $49,999.99
    • $50,000 - $99,999.99
    • $100,000 - $249,999.99
    • $250,000 - $499,999.99
    • $500,000 - $999,999.99
    • $1,000,000 or greater
  • Interest accrued daily, credited and compounded monthly
  • Interest rate may change daily, with no maximum or minimum
  • Immediate access to all collected funds

Account Requirements
  • $1,000 minimum daily account balance to waive $5 monthly service fee4
Overdraft protection transfer

Protect yourself against the inconvenience of accidentally overdrawing your checking account. An Overdraft Protection Transfer will automatically move the necessary amount of funds from your pre-selected linked account to your checking account allowing you to complete your purchases or bill payments with confidence.

How it Works

  • You select the HNB account you would like to link to your primary HNB Checking Account
  • Money will transfer in exact amounts from the linked account when your checking account becomes overdrawn, so long as there are sufficient funds in your linked account.
  • A $10 fee will be assessed for every transfer.
  • You will not be assessed an overdraft fee so long as your linked account can cover the extent of insufficient funds in the primary account.




As of Monday, November 2, 2020, transfer and withdrawal limits will no longer apply to your HNB Savings Accounts or Money Market Accounts allowing you greater flexibility with your money management needs.  You can now experience greater ease managing your finances using our convenient digital offerings and service locations as often as the need arises.

1 Cell phone protection, personal identity protection and buyer's protection and extended warranty are subject to additional terms and conditions.

2 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. Identity monitoring and credit monitoring require additional enrollment on BaZing.com.

3 Additional activation is required. Rates are subject to change after account opening.