Whether you're looking for basic checking or want to earn interest on your money, HCB has an account for you! All of our checking products provide you with: Check images with your monthly statement Internet Banking to access your accounts at no charge for balance inquiries, transaction information, and statement history Free Bill Pay!! Below is a description of features of our personal checking accounts. For a more detailed list of other charges and fees that may be assessed on the accounts, please click Schedule of Fees above or for any other questions you have about HCB checking products. Basic Checking A perfect "first" account. This non-interest bearing account offers the following: Open with as little as $50.00 Initial order of 50 checks Free No monthly charge for ATM card 10 withdrawals per month free $0.50 per withdrawal after 10 $3.00 monthly service charge Personal Checking Our most popular account! This non-interest bearing account offers the following: Open with as little as $200.00 Unlimited check writing $10.00 monthly service charge No service charge for balances maintained at $700.00 Direct Checking No service charge with direct deposit.This non-interest bearing account offers the following: Open with as little as $100.00 Unlimited check writing $10.00 monthly service charge waived with monthly direct deposit 55 Checking (Emerald) Age 55 or older. This non-interest bearing account offers the following: Open with as little as $200.00 Unlimited check writing Check orders are free Free Cashier's checks, Money Orders and Travelers Checks 25% discount on Safe Deposit Box No service charge Money Market Checking Want to earn a higher rate of interest but need quick access to your money? HCB's money market account allows you to make withdrawals for those unexpected surprises life often hands you while still earning interest. This account offers the following: Open with as little as $500.00 6 withdrawals per month free $10.00 per withdrawal after 6 Simple interest paid based on account actual balance Balance under $2,500.00 pays the Super Checking Rate $10.00 monthly service charge No service charge for balance maintained at $2,500.00 Personal Bonus Account Outstanding features! This account offers: Open with as little as $500.00 Unlimited check writing Free Cashier's Checks and Money Orders Free Traveler's Cheques ¼ % Discount on consumer loans for qualified customers ¼ % Above current CD Rate under $100,000.00 for 1 year or more Simple interest paid based on account actual balance Balance under $5,000.00 pays the Money Market Rate $15.00 monthly service charge No service charge for balances maintained at $5,000.00 Super Checking Rewards you for being thrifty! This account offers the following: Open with as little as $200.00 Unlimited check writing Simple interest paid based on account average balance Average balance under $1,000.00 pays no interest $10.00 monthly service charge No service charge for average balance maintained at $1,000.00 Treasury Money Market Designed for the customer that has more to invest, but still needs the funds available for withdrawal without notice. This account offers the following: Open with as little as $10,000.00 6 withdrawals per month free $25.00 per withdrawal after 6 Tiered interest paid based on account actual balance $10.00 monthly service charge No service charges for balances maintained at $10,000.00