Checking
Whatever your checking needs, Hiawatha National Bank has an account that will suit you. Please compare Hiawatha National Bank to our competitors—we pay high rates of interest, even on checking accounts!
| Choice Checking | Winner Checking | Homeowner Advantage | Interest Checking | Premium Interest Checking | |
|---|---|---|---|---|---|
| Description |
Our most popular account with added benefits for
Students & Seniors
|
Great package of checking values | Great package of checking benefits for HNB home loan customers | Earns interest with low minimum | |
| Minimum Opening |
$100
|
$100
|
$100
|
$5005
|
$2,5005
|
| Minimum Balance |
$0
|
$0
|
$0
|
$5005
|
$2,5005
|
|
Monthly Maintenance Charge
|
None
|
Personal: $8 per mo
Personal 55: $4 per mo
Family: $10 per mo
Family 55: $6 per mo
|
None | If average daily balance8 falls below minimum: $5 fee plus $0.10 per debit1 per month6 | None; Interest Checking rate paid if average daily balance8 falls below minimum |
| Earns Interest | No | No | No | Variable7 rate calculated on average daily balance8, credited monthly | Variable7 rate calculated on average daily balance8, credited monthly |
| ATM & Debit Card | Free2 | Free2 | Free2 | Free2 | Free2 |
| ATM Transactions |
No fees at HNB ATMs; 4 Free ATM transactions per
month at non-HNB ATMs
|
No fees at HNB ATMs; 4 Free ATM transactions per
month at non-HNB ATMs
|
No fees at HNB ATMs; 4 Free ATM transactions per
month at non-HNB ATMs
|
No fees at HNB ATMs; 4 Free ATM transactions per
month at non-HNB ATMs
|
No fees at HNB ATMs; 4 Free ATM transactions per
month at non-HNB ATMs
|
| Overdraft Protection | Yes4 | Yes4 | Yes4 | Yes4 | Yes4 |
| Additional Benefits |
Unlimited check writing
Free HNB Logo checks3
Free Money Orders and Cashier Checks3
|
Unlimited check writing
Free HNB Logo checks
Free Money Orders
Accidental death insurance policy |
Unlimited check writing
Free HNB Logo checks
Free Money Orders and Cashiers Checks
No Closing Costs on Home Equity Loans4
|
Unlimited check writing |
Unlimited check writing
Free HNB Logo checks
|
1Debit items consist of checks/drafts/point-of-sale/pre-authorized payments.
2 Based on approval.
3 For HNB Checking Clients age 55 or better.
4 Based on approved application.
5 Minimum balance to obtain Annual Percentage Yield (APY) stated in the Rates section.
6 Account fees may reduce earnings.
7 Variable interest rates subjected to change.
8 We use the average daily balance. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
For further information, please see your Client Service Representative.
Account disclosures available on request.
Want to apply for one of our amazing checking accounts? Click here for our consumer application.
Once completed send it to clientservices@hnbank.com or bring it to your nearest location.