Moving accounts is a hassle, especially if you’re just going away for the semester. College is stressful enough, lessen the stress by keeping your banking where it’s at!
Online & Mobile Banking
One of the biggest perks of modern banking is the ability to do it anywhere. Our app and desktop version of internet banking provides stability and convenience, especially to college students away from home for the first time.
With the recent pandemic, it highlighted the best parts of modern technology. If you are unable to make it into the bank, you can still manage your finances with ease. Tracking expenses and deposits, paying bills and transferring money, are all available through our online services.
With the option of direct deposit, mobile deposit, and touch-of-a-button transfers, your money is made available to you from anywhere. Services such as Bill Pay and popmoney make sure your transfers automatic, so it’s one less thing to put on your reminder list.
Access your cash instantly with our debit cards. Useable for any purchase, as well as getting cash through ATM withdrawals. Even if your bank is hours away, you’ll never have to wait more than minutes to make a purchase or take out cash.
Always alert your bank when you move, even temporarily. Setting up a temporary address makes sure that all your bank mail (including new debit cards!) will get to you in a timely manner. Putting a travel notice on your debit cards also makes sure you won’t run into any problems when you travel. Before you hit the road, let your bank know where and how long you’ll be gone.
As added protection for your account, limits are placed on how much can be spent or taken from an ATM in a day. This is to prevent excess fraud and keep your account safe. Be aware of your limits, and if you ever need to access funds over those amounts, call your home branch to have those raised. It takes only a few minutes, and the extra security will put you at ease.
While credit can be a slippery slope, building your history and reliability will greatly impact your credit score for the better. College is a great time to dip your toe into the wonderful world of credit, and HomeTown Bank has some great benefits to make it worth your while.
- No Annual Fees
- Unlimited Rewards
- Earn Cash Back on Purchases
Using credit cards for food or frivolous purchases may be ill-advised, but responsibly using credit can benefit you in the long run. An example of smart credit use would be making a purchase such as gas (or goods you’d be okay paying debit for) and then paying it off immediately. This shows the use of credit, without generating any interest.
If you’re away from home, building credit and having a backup plan for any emergency will give you (and your parents!) extra peace of mind.
Learn more about HomeTown Bank’s credit cards here.