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Totally Free Checking is available with a minimum opening deposit of only $25.
- No minimum balance to maintain.
- No monthly service charge.
- Unlimited check writing.
- Automatic check safekeeping, with 12 free copies available each year if needed.
- No annual fee for ATM/Check Card.
Regular Checking is ideal for those who maintain a balance of $500 or more.
- Variable rate of interest compounded daily and paid monthly on average daily balances of $500 or more
- Monthly service charge of $8 if balance falls below $500 or no service charge if:
- You elect to have an HFS loan payment automatically withdrawn from checking
- You have $5,000 or more on deposit in a savings or certificate of deposit with HFS.
- Unlimited check writing.
- No annual fee for ATM/Check Card.
- Check safekeeping available.
Basic Checking is designed for those customers that write a small number of checks per month, and require that cancelled checks be returned.
- $100 minimum balance to open.
- $5 monthly fee if balance falls below $100.
- $.15 charge per check written in excess of 25 per monthly cycle.
- No annual fee for ATM/Check Card.
Super Checking pays a higher rate of interest than Regular checking, and requires a minimum initial deposit of $2,500.
- Variable rate of interest compounded daily and paid monthly.
- Interest at regular checking rate if balance falls below $2,500.
- Unlimited check writing.
- $8 monthly fee if balance falls below $500.
- No annual fee for ATM/Check Card.
Senior Checking is geared for those 55 and over.
- No minimum balance to open.
- No monthly service fee.
- Variable rate of interest compounded daily and paid monthly on balances of $500 or more.
- No annual fee for ATM/Check Card.
- No fee for Cashiers Checks or Money Orders. (Limit of one per day.)
- No fee for travelers checks.
- One box of checks free per year.
Business Checking
HFS offers you the choice of HFS Business Checking and Small Business Checking, depending on the balance
you maintain in your account and your account activity.
HFS Business Checking
- Interest paid on average daily balances of $500 or more, if applicable.
- $500 minimum to open.
- $5 monthly maintenance fee.
- $.10 fee per deposited item and per check paid.
- $.07 for each ACH deposit or withdrawal.
- Earnings credit may eliminate any per item and/or monthly fees.
Small Business Checking
- $100 minimum to open.
- $5 monthly maintenance fee if balance falls below $1,000 during the month.
- $.10 fee per deposit over 50 in one month.
- Merchant Service Integration with popular credit card processing services such as MerchantProcessor and UBC Bankcard.
- $.10 fee per withdrawal over 50 in one month.
- $.15 per check paid over 50 in the month.
- No charge for deposited items. (Please note: This account is designed for those with limited account activity. If the number of deposited items exceeds 100 during the month HFS has the option to transfer you to an HFS Business Checking Account.)
- No charge for ACH transactions.
- No interest earned or earnings credit.
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