Whether you own a small business or a large corporation, you want a banking relationship you can rely on. At HomeTown Bank, we can provide you with the products and services you need to help your financial operations run efficiently. From checking accounts to business loans, we have everything you need to start a new relationship or add to your existing one.

Value Commercial
CHECKING
- Minimum of $50 opening deposit
- No minimum balance requirements
- Unlimited check writing
- Low $3.00 monthly fee
HTB Executive Business
CHECKING
- Minimum $50,000 opening deposit
- Interest earned based on tiered rates
- Minimum daily average balance of $25,000 to earn monthly interest
- $15 monthly fee if average daily balance is below $50,000
Enterprise Commercial
CHECKING
- Minimum of $50 opening deposit
- No minimum balance requirements
- Unlimited check writing
- Receives earning credit
- Low cost deposit item fee

Regular
SAVINGS
- Minimum of $50 opening deposit
- Interest paid quarterly
- $3 fee if average daily balance is below $50 during the statement cycle
Premier Money Market
SAVINGS
- Minimum of $5,000 opening deposit
- Interest paid monthly
- Interest earned based on tiered rates
- $1 monthly fee if average daily balance is below $500
Money Market
SAVINGS
- Minimum of $1,000 opening deposit
- Interest paid monthly
- Interest earned based on tiered rates
- $1 monthly fee if average daily balance is below $500

Certificate
OF DEPOSIT
- Competitive rates
- Variety of terms
- Minimum of $1,000 opening deposit
CDARS©
LARGE FUNDS CERTIFICATE OF DEPOSIT
- Multi-Millon Dollar FDIC Insurance Coverage
- One rate
- One bank
- One statement
- Variety of terms
ICS©
LARGE FUNDS DEMAND DEPOSIT ACCOUNTS
- Multi-Millon Dollar FDIC Insurance Coverage
- Unlimited Program Withdrawals
- One rate
- One bank
- One statement


HSA
SAVINGS ACCOUNT
- Savings account for qualified medical expenses
- Tax Deductible
- Funds roll over
- Monthly statement
- Earn interest
- Debit card for easy access

Business
LOANS
- Equipment and vehicle
- Inventory/Accounts receivable
- Operating lines
- Debt consultation
- Letter of credit
- SBA loans
Agricultural
LOANS
- Land purchase
- Crop purchase
- Equipment
- Farm equipment
- Livestock
- Agribusiness
Real Estate
LOANS
- Land and subdivision development
- New construction
- Building purchase
- Remodeling
- Expansion
- Refinance
One of the key reasons to consider banking with us is that we are local people who understand you and your business. We are the ones who make all of the decisions concerning your loan needs. Decisions are made on more than just numbers. They’re made based on sound financials principles measured by local community needs. We understand the search for a commercial loan that best meets your needs is not easy. Here at HomeTown Bank we strive to offer a diverse mix of commercial loans to meet your individual borrower needs and investment objectives.
Cash Management
BUSINESS SOLUTIONS
- Online banking access
- Downloads to Quicken & QuickBooks
- Risk management tools
- Positive pay
- Remote deposit capture
- Merchant card services
- ACH Transaction processing
Bill pay is also available to business customers. Talk to your personal banker to find out how to access this feature during the account opening process.
HomeTown Bank offers business customers a convenient and effective way of performing banking activities without having to leave the office.

Workplace Banking
PROGRAM
The Workplace Banking Program provides the enrolled Employees of a Workplace Banking Business Participant the opportunity to obtain Exclusive HomeTown Bank Workplace Banking Perks.

Other
PRODUCTS AND SERVICES
- Phone Banking
- Mastercard Debit Cards
- ATMs
- Drive-Up
- Safe-Deposit Box
- Wire Transfers
- Notary Service
- Visa Travel Cards
- Visa Gift Cards