The Honesdale National Bank offers a variety of deposit products to meet your needs and your budget. Overdraft Privilege is available on all HNB Checking and N.O.W. Accounts. To obtain more information, or open an account, just visit any of our convenient offices.

Signature Circle

Put an entire package of banking tools at the tip of your pen for one low fee of $4.95 per month!

Special club checks or 50% off other check costs
Online Bill Payer ServiceHNB’s Internet Banking Service
Special checkbook cover
No minimum balance requirement
No per check charges
Carry an HNB Check Card or ATM card with no annual fee
Unlimited check writing
No per-check fees or additional service charges
Free Telephone & Internet Banking
Free Online Bill Payer Service
Check Safekeeping or Check Images with your statement
No fees for stop payments, notary service, travelers checks
$700 Overdraft Privilege Limit for qualified account holders
One overdraft each year, no service charge
Qualified borrowers enjoy discounted rates on installment loans
A no annual fee HNB VISA, VISA Gold or MasterCard

HNB Free Checking Enjoy the benefits of unlimited check writing with

No minimum balance requirements
Unlimited check writing
No per-check fees or service charges
Free VISA Check/Debit or MoneyMaker ATM Cards (Max. 2 Per account)
Free Telephone & Internet Banking
Free Online Bill Payer Service
Check Safekeeping or Check Images with your statement
$300 Overdraft Privilege Limit for qualified account holders

HNB Regular Checking

$300 minimum balance requirement
Unlimited check writing
No per-check charges
Free VISA Check/Debit or MoneyMaker ATM Cards (Max. 2 Per account)
Free Telephone & Internet Banking
Free Online Bill Payer Service
Check Safekeeping or Check Images with your statement
$500 Overdraft Privilege Limit for qualified account holders
$3.00 monthly fee if the balance falls below $300

N.O.W. Accounts

Maintain a $1,000 minimum balance to earn the current market rate on your daily balance.
Unlimited check writing
No per-check fees
Free VISA Check/Debit or MoneyMaker ATM Cards (Max. 2 Per account)
Free Telephone & Internet Banking
Free Online Bill Payer Service
Check Safekeeping or Check Images with your statement
$700 Overdraft Privilege Limit for qualified account holders

INVESTORS ADVANTAGE

Investors Advantage is a Tiered Account that provides additional interest earning opportunities.

Earn More Interest -
Higher balances earn a higher rate of interest

Provides Flexibility
Deposit, Withdraw or Transfer Funds Unlimited number of transactions
In Person, by Phone, on the Internet, or at any ATM

Improves Liquidity -
No fixed term
Immediate access to all collected funds

Easy to Convert an Existing MMDA
Same access with Checks, ATM/Check Cards, Telephone & Internet Banking

Interest:
Accrued Daily, Credited & Compounded Monthly
May change daily, No Maximum or Minimum Rate
Balances below $2,500 do not earn interest
Minimum balance of $1,000 to open & avoid fees
Minimum balance of $2,500 to begin earning interest

8 Balance Tiers:
When each level is reached, that rate is earned on the entire balance:
$2,500 or greater, but less than $10,000
$10,000 or greater, but less than $25,000
$25,000 or greater, but less than $50,000
$50,000 or greater, but less than $100,000
$100,000 or greater, but less than $250,000
$250,000 or greater, but less than $500,000
$500,000 or greater, but less than $1,000,000
$1,000,000 or greater

Transaction Limits, Fees and Charges:
6 - 3rd party withdrawals per statement cycle
3 may be checks, 3 can be other types (ACH)
$5.00 fee is chargedshould the balance fall below $1,000 at any time during the Statement Cycle

Savings Accounts

HIGH PERFORMANCE SAVINGS

With HNB's High Performance Savings Account You get...

Higher yields than traditional Savings Accounts & most Money Market Accounts
Access to funds at any HNB office, with Net Teller (Internet Banking) or Xpress Banker (Telephone Banking)
A variable rate that adjusts to current market changes
All of your interest and account activity posted on your statement

Just open an account and maintain a balance of $10,000 or more and you'll earn the current market rate. Interest is calculated daily on collected funds and added to your account quarterly. Make an unlimited number of deposits and one Fee Free withdrawal each quarter. Additional withdrawals or transfers from the account during the quarter are at $25.00 per transaction.
All of your account history and balances are detailed on a quarterly statement. Monthly statements are sent to those with Direct Deposit activity. There is no penalty for closing this account. Accrued interest to date is not paid on accounts closed prior to quarter end.
HNB also has:
Statement Savings Accounts
Children's Savings Accounts
Holiday, Vacation and All Purpose Clubs

The Chairman's Club

"Exclusively for those age 50 or better"

Members that maintain a minimum balance of $2,500 in any combination of accounts - Checking, Savings, Money Market Accounts and/or CDs (excluding IRAs) enjoy:
A checking account, with no minimum balance requirements
Free club checks
A Special Chairman's Club checkbook cover
Bonus rates on CDs of 1 year or longer
A $700 Overdraft Protection Limit
No annual fee VISA Check Cards or ATM cards
Free Key Ring Protection Service
A membership card & personalized luggage tags
Local shopping and health care benefits
Discounted trips and excursions
And a host of free or discounted banking services.

Toll Free Customer Service 1-800-HNB-9515
Toll Free Mortgage Center 1-800-426-4884