Our Services
What We Offer
Checking Accounts
Regular Business Checking is for all types and sizes of business
1. Minimum Daily Balance of $1000 to avoid a $10 monthly service charge.
2. Earn a .20 credit per $100 average daily collected daily balance
3. A .15 charge per check written on the account
4. Earn .08 per item deposited
5. Unlimited Deposits and Checks
Regular Consumer Checking is for all ages and types of customers
1. The minimum amount to open the account is $100.00.
2. The regular checking account requires a minimum daily balance of $500.00 to avoid a $7.00 monthly fee.
Senior Citizen Checking is designed for all of our senior customers and members of the community
1. Minimum Daily Balance of $1000 to avoid a $10 monthly service charge.
2. Earn a .20 credit per $100 average daily collected daily balance
3. A .15 charge per check written on the account
4. Earn .08 per item deposited
5. Unlimited Deposits and Checks
Student Checking is for all students in every level of education from high school to college
1. For students up to age 22
2. Minimum Opening Deposit $100
3. First order of checks free
4. No minimum balance
5. Unlimited check writing 6. No monthly service charge
Now Checking Accounts earns interest on a minimum daily balance
1. Minimum opening balance $1000
2. Unlimited Check writing
3. $1000 daily balance to avoid $10 monthly service charge
First Flight Club is a club account with many benefits from discounts on hotel rooms, free printed checks, and accidental death policy. Please see a CSR for more information & brochure
1. Minimum opening balance $100
2. No minimum balance required
3. $8.00 monthly service charge
Senior Citizen First Flight Club is designed for ages 55 or older. The club account offers many benefits from accidental life insurance, free printed checks, and credit card protection. Please see a CSR for more information and brochure
1. Ages 55 or older
2. Minimum opening balance $100
3. $3.55 Monthly Service Charge
Free Checking is for customers receiving electronic statements and direct deposit or automatic payment. They also utilize one of the following: debit cards, Bill Pay, Active Loan, Another Deposit Account or a Safe Deposit Account
1. Minimum opening balance $100
2. Unlimited check writing
Money Market Checking account is a checking account designed for saving money and earning at a higher interest rate
1. Minimum opening balance $1000
2. Checks must be $500 or more
3. Transactions limited to 6 per statement cycle.
4. Minimum Daily Balance of $100 to avoid a monthly $10 service charge
NOW accounts are available to sole proprietorships wanting to earn interest while maintaining easy access to funds
1. Minimum opening balance $1000
2. Daily Minimum balance of $1000 to avoid $10 monthly service charge
3. Unlimited deposits and checks
Business Money Market is available to all business customers wanting to earn interest and save money for business expenses
1. Minimum opening balance $2500
2. Daily balance of $2500 to avoid $10 monthly service charge
3. Transactions limited to 6 per statement cycle
4. Minimum withdrawal amount $1000
Savings Accounts
Regular Savings accounts is for all ages and types of customers to earn interest but maintain a low balance and have easy access to funds
1. Minimum opening balance $100
2. Unlimited deposits
3. Quarterly Statements and monthly statements with any electronic transactions
4. Daily Accrued Interest and compounds and pays quarterly
5. Minimum balance $100 to avoid $5 service charge
6. Unlimited withdrawals or transfers to another HNB Account in person, by ATM, mail
7. Limit of 6 withdrawals via Automatic Payments, telephone transfers, preauthorized transfers, transfers made in telephone internet or mobile banking.
8. $50 fee if account is closed with 6 months of opening.
Minor/Student accounts help young children and adults to begin saving money and earning interest. Parents of infant children can also set up savings account to start saving early for their children’s future. Children under the age of 19 must have a guardian to sign with them on the account
1. Up to age 22
2. Minimum Deposit $25
3. Minimum Daily Balance $25 to avoid a $5 service charge
4. $10 fee if account closed within 6 months
5. Unlimited deposits
6. Quarterly Statements and monthly statements with any electronic transactions
7. Daily Accrued Interest and compounds and pays quarterly
8. Unlimited withdrawals or transfers to another HNB Account in person, by ATM, mail
9. Limit of 6 withdrawals via Automatic Payments, telephone transfers, preauthorized transfers, transfers made in telephone internet or mobile banking.
Senior Citizen Accounts are for customers ages 55 or older
1. Minimum Deposit $25
2. Minimum Daily Balance $25 to avoid a $5 service charge
3. $10 fee if account closed within 6 months
4. Unlimited deposits
5. Quarterly Statements and monthly statements with any electronic transactions
6. Daily Accrued Interest and compounds and pays quarterly
7. Unlimited withdrawals or transfers to another HNB Account in person, by ATM, mail
8. Limit of 6 withdrawals via Automatic Payments, telephone transfers, preauthorized transfers, transfers made in telephone internet or mobile banking.
Christmas club accounts help customers save money thru the year for the Holidays. The customer can make unlimited deposits either thru automatic transfer from another account or teller deposits. The customer receives a check the first week of November each year. The account can be retained each year to keep the Christmas savings going each year
1. Minimum opening $25
2. Unlimited deposits
3. Interest accrues daily and compounds and pays quarterly
4. Withdrawals are not allowed
5. $50 fee if the account is closed before the check is cut in November1. Minimum opening $25
Certificate of Deposits (CDs) help the customer save more money and earn a higher interest rate
1. Minimum deposit $500
2. Interest can be added back to the CD, transferred to another HNB First account, or mailed via check
3. Terms range from 3 months to 5 years
4. Early withdrawal penalty if CD is closed before the maturity date
Individual Retirement Accounts are designed for individuals earning income to save for their retirement
1. Types of IRA offered: Traditional, Roth, and educational IRA
2. Minimum opening $500
3. Interest can be added back to the CD, transferred to another HNB First account, or mailed via check
4. Terms range from 3 months to 5 years
5. Early withdrawal penalty if closed before the maturity date
Self Employed Plans (SEP) all the self employed save for their individual retirement as well as that of their employees
1. Interest can be added back to the CD, transferred to another HNB First account, or mailed via check
2. Terms range from 3 months to 5 years
3. Early withdrawal penalty if CD is closed before the maturity date
4. Minimum Deposit $500
Loan Accounts
Consumer Loans can be secured or unsecured and are available for a variety of personal uses. The different uses can b ew or Used
1. Recreational Vehicles (i.e. Boats or ATVs) New or Used
2. Debt Consolidation
3. Vacation Expenses 4. Real Estate
Business Loans are available to meet the business short and long term goals and credit needs
1. Business Equipment/Vehicle Purchase
2. Business Real Estate
3. Line of Credit
4. Land Development
a. Non-residential construction
b. Rental Property
c. Property purchases
Agriculture Loans are available for all farmers small or large. HNB FIRST Bank assists farmers with the following loans
1. Farmland
2. Livestock
3. Crop Expenses
4. Farm equipment
Mortgages
1. 15 or 30 year mortgages
2. Refinancing
3. Purchase
4. Building a new home
E-services
The bank offers several electronic services for customers to access their accounts 24/7. We offer internet banking, mobile banking, and telephone banking. The bank ensures the services are maintained and updated to ensure their availability to our customers
1. Telephone banking is available for customers to call to get their balance and transfer between accounts. The number to call is 334-693-5151.
2. Internet banking is a safe and secure option for customers to access their accounts via any browser or device. Internet banking is protected with a login and security questions.
3. HNB FIRST Bank has an app available in the App stores on Google, Apple, and Samsung devices. The app provides the customers an easy and safe way to access their accounts in the palm of their hands.
4. (Coming Soon) Business Online Banking is a service for business customers to be able to protect their information in safe and secure way. Business Online offers them the ability to assign employees certain security when they sign onto internet banking. They can determine whether the employee can inquire only and/or make transfers and transactions. The business online feature will provide Merchant Capture and ACH Origination services online.
The bank also offers other convenient services for our customers. The services include the following:
1. Bill Pay is a safe and convenient way to pay all your bills in one place. Bill Pay can be accessed from internet banking and mobile banking. The customer can easily set up payments to be made automatically or they can access the service and the payments as needed.
2. Digital wallet allows customer to make contactless payments anywhere it is accepted. Customers can add their debit cards to the following wallets on their phone Apple, Google, and Samsung Pay. The payment is a safe and secure way to make payments.
3. E Statements allow customers to download an electronic version of their statements. They will also receive their statements quicker than waiting for a mailed copy. It also reduces the amount of paper used to produce statements and notices.
4. Debit Cards are a convenient way to make payments at a merchant, on the internet, or over the phone. HNB First Debit cards can be used anywhere MasterCard is accepted.
5. Mobile Deposit is available on the HNB FIRST Bank app. Customers can take a picture of a check on the app without having to come into a branch to make a deposit. Customers can make up to $2000 dollars in deposits a day. Please contact a CSR to have the feature turned on today.
6. (Coming Soon) Merchant Capture is a convenient service for business customers to make their check deposits from their office. The customer will scan the checks using a secure device and upload the deposit to HNB FIRST BANK.
7. (Coming Soon to Business Online) ACH Origination is available for business customers needing to originate direct deposit files for their employees. ACH Origination is a quicker and easier way for employers to pay their employees.