This Personal Savings account offers the following:   Open with as little as $100.00   3 withdrawals per quarter free   $2.00 per withdrawal after 3   No service charge for balance maintained at $300.00   $5.00 quarterly service charge   Simple interest paid quarterly on account actual balance Whether you're teaching your child the value of a dollar, planning a weekend getaway or trying to prepare for a rainy day, HCB can help. Certificates of Deposit For higher interest on money you have available to leave on deposit we have a CD product to meet your needs. Check with us for the current rates on CDs ranging from 30 days to over 2 years. Penalty for early withdrawal. Whether it's time for a new car, to send a child off to college, you're ready to get started on that home improvement project, or you're interested in a home equity loan we can help. We take pride in knowing our community and the needs of our customers, so visit our office or call today for more information.   Internet Banking   Online Bill Payment   Safe Deposit Boxes*   Notary Service   After-hours Depository   VISA Check Card   24-Hour ATM   Overdraft Protection   Travelers Cheques   Direct Deposit   Bank-by-Mail Service   Cashier's Checks   XPRESS Banking   Money Orders   Wire Transfers   Domestic Collections   Drive-In Windows   U.S. Savings Bonds *Safe Deposit Box Contents are NOT Insured by FDIC or Bank.

For information on SBA Loans, call 281-208-2111.