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Club Features & Benefits -
- Special Club Checks included or any other checks at 1/2 price (limit 1 per year)
- Net Teller – Internet Banking & Online Bill Payer Service
- Xpress Banker Telephone Banking Services
- No Minimum Balance Requirement
- Unlimited check writing, No per check charges
- A .05% Bonus Rate on CDs of 12 months or longer (Excluding Specials)
- VISA Debit ATM Cards (Max. 2)
- Local Shopping, Healthcare and Entertainment Benefits
- 50% discount on the 1st year’s rental of a new Safe Deposit Box (where available)
- Money Orders or Cashiers Checks, Stop Payments*
- Photo Copies, Notary Service & Signature Guarantee*
- Lamination Service*
- Safekeeping of Wills
- HNB VISA, VISA Gold or MasterCard Credit Cards, no annual fee **^
- Installment Loan Rate Discount **+
- HNB Green Statements & Notices
- All this for only $3.95 per month ($4.95 if you receive paper statements)
Items in Bold were added in 2009
** For Qualified Borrowers +Excluding Specials ^Age 62 and Better
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Exclusively for those age 50 or better. This club account includes all of the benefits of Signature Circle plus discounted fare on club trips. Avoid the monthly fee by maintaining a minimum balance of $2,500 in any account or combination of deposit accounts (excluding IRAs and special club savings plans).
Benefit Values
| Feature/Benefit | Estimated Average Use | Value |
| Checks – 120/Order | Average 2 Per Year | $44.50 |
| .05% Bonus Rate on CD | Average CD is $15,000 | $7.50 |
| .25% Loan Rate Discount | Average Loan is $10.000 | $25.00 |
| Safe Deposit Box | 5″x5″ 50% 1st Year Discount | $13.50 |
| Money Orders | Average 2 Per Year | $6.00 |
| Cashiers Checks | Average 2 Per Year | $10.00 |
| Stop Payments | Average 1 Every Other Year | $10.00 |
| Notary Service | Average 1 Every Other Year | $2.50 |
| Signature Guarantee | Average 1 Every Other Year | $5.00 |
| Credit Card | Annual Fee Waived | $15.00 |
| Telephone Transfers | Average 3 Per Year | $9.00 |
| Shopping & Healthcare Savings | Est. Additional Cost Per Year | $48.00 |
| Total | Annual Savings | $196.00 |
| Signature Circle Annual Cost | $3.95 per Month | $47.40 |
| TOTAL VALUE | $148.60 |
| Total Signature Circle Value | Non-eDocs $4.95 Per Month | $136.60 |
| The Chairman’s Club Value | Maintain $2,500 Balance | $196.00 |
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Exclusively for ages 14-21. This club checking or savings account includes all of the local, regional and special event benefits that are offered to our Signature Circle and The Chairman’s Club accounts.