HomeStar Bank -Checking, Savings, CD's and more


Thrifty Checking	- to top
Features $100.00 minimum deposit to open $3.00 monthly service charge No per item fee for the first ten checks in a month $.30 fee per check over ten in a month A MasterMoney™ CheckCard is available on this Account. Benefits This account is ideal for persons who write very few checks and maintain a relatively low balance. They are able to avoid the higher fees associated with other accounts, write only the checks they need, and pay accordingly. It provides check writing ability, simplicity, and a very low cost. Student Privileges Full-time college students are eligible for one Thrifty Checking Account. We will waive the minimum deposit to open the account, the $3.00 monthly service charge, the $12.00 annual card fee, and the non STAR transaction fee. A requirement is that the student’s parents are customers of the Bank and that proof of enrollment is submitted each September. Typical Account Holders Include Low balance customers, infrequent check writers, persons looking for a low fee account, persons desiring a simple account, college students. • Click here for Disclosure •
Classic Checking	- to top
Features $100.00 minimum deposit to open $6.00 monthly service charge if the daily balance drops below $500.00 any day of the month. Unlimited check writing A MasterMoney™ CheckCard is available on this account. Benefits This account is ideal for someone who prefers a no frills checking account. They can avoid all service charges with a $500.00 daily balance and write as many checks as they need. Mortgage Customer Privileges For HomeStar Bank mortgage customers: We will waive the $6.00 monthly service charge throughout the term of the loan. Typical Account Holders Include Customers wanting a "no frills" account, frequent check writers, or persons wanting a low monthly service charge. • Click here for Disclosure •
Premier Checking Account	- to top
Features $100.00 minimum deposit to open $7.50 monthly service charge if the daily balance drops below $500.00 any day of the month Unlimited check writing A MasterMoney™ CheckCard is available on this Account. Interest will be paid on the entire balance in the account provided a daily minimum balance of $500.00 is maintained. Interest will not be earned on any day the balance in the account falls below $500.00. This is a variable rate, tiered account. Benefits This account rewards individuals as their balance grows. Customers may want to combine accounts in order to reach higher interest tiers. If the minimum balance is maintained, there is no service charge. Senior Privileges For customers 60 years of age or older: We will waive the minimum deposit to open the account, the $7.50 monthly service charge and will provide free personalized checks. Typical Account Holders Include Customers who desire interest on their checking account or carry high balances. Individuals might also use it as a savings account if they maintain over $5,000 or want unlimited access to their funds. • Click here for Disclosure •
Free Checking	- to top
Features $100.00 minimum deposit to open No monthly maintenance fees A MasterMoney™ CheckCard is available on this Account. Benefits This account is ideal for someone looking to avoid monthly fees associated with most checking accounts. As long as a positive balance is always maintained, no fees will ever be assessed. Typical Account Holders Include Responsible individuals with a good credit history. • Click here for Disclosure •
Cash Management Account	- to top
Features $5,000 minimum deposit to open $25.00 monthly service charge if the daily balance drops below $5,000.00 any day of the month Unlimited check writing A MasterMoney™ CheckCard is available on this Account. Interest will be paid on the entire balance in the account provided a daily minimum balance of $5,000.00 is maintained. Interest will not be earned on any day the balance in the account falls below $5,000.00. This is a variable rate, tiered account. For Individuals and Trusts established on behalf of individuals. Benefits This account rewards individuals as their balance grows. Customers may want to combine accounts in order to reach higher interest tiers. If the minimum balance is maintained, there is no service charge. Typical Account Holders Include Customers who desire interest on their checking account or carry high balances. Individuals might also use it as a savings account if they maintain over $5,000 or want unlimited access to their funds. • Click here for Disclosure •

Advantage Checking Account	- to top
Features $50,000 minimum deposit to open $75,000 minimum balance to earn interest $25.00 monthly service charge if the daily balance drops below $75,000.00 any day of the month Unlimited transactions Free annual personal financial review A Free MasterMoney™ CheckCard is available on this Account Free Personalized checks with unlimited check writing ability Interest will be paid on the entire balance in the account provided a daily minimum balance of $75,000.00 is maintained. Interest will not be earned on any day the balance in the account falls below $75,000.00. This is a variable rate, tiered account. Benefits The Advantage Checking Account allows customers to earn a high rate of interest of their checking account funds without committing to a fixed time frame. Unlimited transactions, no service charge with minimum balance, and free Checkcard. Typical Account Holders Include Individuals who desire interest on their checking account and carry high balances with unlimited access to their funds. • Click here for Disclosure •

Home Now Account	- to top
Features For our Mortgage customers only. No minimum deposit required to open No service charge for the life of the Mortgage loan No charge for initial supply of 8 checks and 100 deposit tickets. If the customer runs out, we will supply additional checks at no charge. Benefits Mortgage loan customers are not required to maintain an escrow account for property taxes and homeowner’s insurance. Saving regularly is the best way to ensure funds are available for these important purposes. The Home Now account is the escrow alternative. Checks should be written out of this account for tax and insurance purposes only. Typical Account Holders Include Mortgage customers who wish to save for escrow. • Click here for Disclosure •

Statement Savings Account	- to top
Features $250.00 minimum deposit to open. $5.00 monthly service charge if the daily balance drops below $250.00 any day of the month. Three free withdrawals or transfers per month: $.50 thereafter. An ATM card or a MasterMoney™ CheckCard is available on this account. Benefits Ideal for people who desire to save money and who do not anticipate much account activity. The savings account is not designed as a transaction account and the fee structure nurtures savings. With no minimum balance for children under 18, it’s a great way to help children establish a savings habit. Statements of account activity will arrive monthly. An ATM Card or a MasterMoney™ CheckCard may also be available, giving customers continuous access to funds and easy transfers between accounts. The CheckCard must also be tied to a checking account. Typical Account Holders Include Children, adults, seniors, or anyone interested in saving money that may need access to deposited funds. (For customers under 18 or over 60 years of age, we will waive the minimum deposit to open the account and the $5.00 monthly service charge.) Transaction Limitations There is no limit to the number of in-person or ATM withdrawals you may make from your account. The total of withdrawals you may make by pre-authorized, automatic, on-line, telephone or telebank transfers from your account in any one calendar month cannot exceed six. Out of these six, no more than three withdrawals may be made by CheckCard, or similar order to a third party. We may refuse any request for transfers in excess of these limitations. We may elect to close the account or terminate your ability to make pre-authorized, automatic, or telephone transfers from the account if you exceed these limitations. • Click here for Disclosure •
Individual Retirement Account (IRA)	- to top
Individual Retirement Accounts are available through HomeStar Investment Services, a service of Raymond James Financial Services, Inc. RJFS is consumer oriented and provides a full range of retirement account options. • Click here to link to Investment Services •
Certificate of Deposit	- to top
Features Minimum Deposits from $1,000 to $2,500 Interest accrued daily Interest compounded monthly, quarterly and semi-annually Variety of rates and terms to meet individual needs Benefits The certificate of deposit is a vehicle that allows customers to gain higher rates of interest, in return for agreeing to deposit their money for a given period of time. The longer the term of the certificate, the greater the compensation in terms of interest rate. One benefit a CD has over alternative investments is that of safety. Each depositor is insured up to $100,000 by the FDIC. By saving locally, depositors are putting money back into their local communities. Typical Account Holders Include Seniors, baby boomers, persons desiring a higher interest rate, and persons concerned about investment safety. • Click here for Disclosure • • Click here to link to Retirement Planning Calculator •
Easy Access CD	- to top
Features Minimum deposit $2,500 Interest accrued daily Interest paid at maturity Cannot withdraw during the first 7 days of the term or within 7 days of a previous withdrawal Fixed rate for 6 months Can withdraw down to $1,000 $1,000 minimum withdrawal limit Benefits The Easy Access CD gives customers a higher rate of return than a savings account and also provides them with greater liquidity than a certificate of deposit. The term of this certificate is 6 months, but customers are able to withdraw at any time. Typical Account Holders Include Seniors, baby boomers, persons desiring a higher interest rate without losing liquidity. • Click here for Disclosure •