• Regular Checking Account
• Regular Senior Checking Account
• NOW Checking Account
• NOW Senior Checking Account
• Passport Account
• Express Checking Account
• Business Checking Account
• In-Club Checking Account
• Student Club

A Regular Checking Account may be opened with a $15.00 deposit. A per item fee of $.11 will be charged for each debit transaction. The per item fees may be avoided if you maintain a daily balance of $500.00 in your account throughout the month. This means you cannot have your balance in the account drop below $500.00 on any single day during your statement cycle. A service charge for maintenance of $1.00 per statement cycle will be charged.

(back to top)

A Regular Senior Checking Account is available to persons who are at least 60 years old. With a $15.00 deposit to open the account you will receive unlimited check writing. No minimum balance is required. The only charge will be a monthly maintenance fee of $1.00 per statement cycle.

(back to top)

A NOW Checking Account pays you interest. A deposit of $1,500.00 is required to open this account, and you must maintain a minimum daily balance of $1,500.00 to obtain the disclosed annual percentage yield. If your minimum daily balance is maintained, your first fifteen (15) debits are at no charge, and all subsequent debits will be $.15 per item. If you drop below the $1,500.00 minimum daily balance at any time during the month, all debits are $.15 per item. A $1.00 service charge for maintenance will be charged to the account each monthly statement cycle.

(back to top)

A NOW Senior Checking Account pays you interest. The minimum age required is 60 years old. You must deposit $1,500 to open the account and maintain a minimum daily balance of $1500 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance. There is no per item fee and no limit on check writing. A monthly maintenance fee of $1.00 will be charged each monthly statement cycle.

(back to top)

A Passport Account is an account which provides customers who have attained the age of 55 or better with special privileges. By joining our Passport Club, you qualify for a variety of services. These services include: benefits from social events, educational seminars and travel excursions.

The Passport Club requirements are:

• Age requirement of 55 or better
• Maintain a Passport Checking Account
• One of the following
  • Maintain a $1,500.00 minimum balance in a Passport Checking Account OR
  • Maintain a $5,000.00 balance in a savings passbook account OR
  • Maintain $15,000.00 in CD balances.

Other benefits include: Unlimited check writing, VISA* Check Card, Passport personalized checks at no charge, discounts on safe deposit box rental, long-term care insurance**, and group travel opportunities.

*Passport NOW Accounts will be charged $1.00 service charge for maintenance per statement cycle.

(back to top)

An Express Checking Account is a free checking account. You must deposit $15.00 to open the account. No monthly maintenance fee, no per item fee, and no minimum balance required. Statements cycle monthly with no images. Duplicate checks must be purchased from the Bank of Hartington.

(back to top)

A Business Checking Account may be cycled to meet your business needs. A per item fee of $.11 will be charged for each debit transaction. We will lower your item fees by $.10 for each $100.00 of average daily collected balance held on deposit monthly. This credit cannot exceed the check charges. A monthly maintenance fee of $1.00 will be charged per statement cycle. (Other limitations and charges may apply.)

(back to top)

Our In-Club Checking Account is a checking account for people who frequently write checks. You need a $15.00 deposit to open the account. It has a low monthly service charge and many banking benefits. Benefits include: In-Club personalized checks at no charge, unlimited check writing, travel benefits, safe deposit box discount, accidental death insurance (with additional insurance available), VISA* Check Card available with approval, and various other travel services.

Service Charges on this account are based on the amount of insurance protection the account holder applies for.

With an In Club Account, there is a reduction in service charges when your Bank of Hartington passbook savings account balance is maintained as follows: With a $1,000.00 minimum balance you save $1.00 in monthly In-Club service charges: with $1,500.00 minimum balance you save $2.00 in monthly In-Club service charges: with $2,500.00 minimum balance you save $3.00 In-Club service charges.

(back to top)

Our Student Club is a free checking account available for students Junior High through age 23. The Student Club has no service fees, unlimited checkwriting, and free Student Club checks. There is no required balance for this account. When you sign up for this account, you will receive a free gift and if you are a graduating senior you will be eligible for scholarship opportunities.

(back to top)