Checking Accounts
HNB First offers a variety of checking accounts to suit your individual banking needs.

Free Checking
  • Minimum opening deposit $100.00
  • Unlimited check writing
  • Customer agrees to receive statements electronically and have a Direct Deposit or ACH debit in addition to one of the following: Debit Card, Bill Pay, Active Loan, Additional Deposit Accounts or a Safe Deposit Box.

Regular Checking
  • Minimum opening deposit $100.00
  • Unlimited check writing
  • $500.00 minimum daily balance required to avoid a monthly service charge of $6.00

First Flight Club
  • Minimum opening deposit $100.00
  • Two orders of printed checks per year at no charge
  • Accidental death insurance policy up to $100,000.00
  • Unlimited check writing
  • No minimum monthly balance required
  • $25.00 credit toward first year of safe deposit box rent (security deposit required)
  • Credit card protection
  • Please contact us for other benefits
  • $8.00 per month service charge

Senior Citizen First Flight Club
  • Designed for customers age 55 or older
  • Minimum opening deposit $100.00
  • Two orders of printed checks per year at no charge
  • Accidental death insurance policy up to $100,000.00
  • Unlimited check writing
  • No minimum monthly balance required
  • $25.00 credit toward first year of safe deposit box rent (security deposit required)
  • Credit card protection
  • Please contact us for other benefits
  • $3.55 per month service charge

Student Checking
  • Designed for students up to age 22
  • Minimum opening deposit $100.00
  • First order of printed checks at no charge
  • No minimum balance to maintain
  • Unlimited check writing
  • No monthly service charge

Traditional Senior Citizen Checking
  • Designed for customers age 55 or older
  • Minimum opening deposit $100.00
  • One order of printed checks per year at no charge
  • Unlimited check writing privileges
  • No minimum balance to maintain
  • No monthly service charge

Negotiable Order of Withdrawal (NOW) Checking
  • Minimum opening deposit $1,000.00
  • Earn interest on your checking account
  • Unlimited check writing
  • $1,000.00 minimum daily balance required to avoid a $10.00 monthly service charge

Money Market Deposit Account (MMDA)
  • Minimum opening deposit $1,000.00
  • Earns interest
  • Checks must be $500.00 or more
  • Transactions limited to six transfers per statement cycle
  • Minimum daily balance of $1,000.00 to avoid a monthly service charge of $10.00

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