Club Benefits

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


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 1 Per Year $35.20
.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 $187.70
Signature Circle Annual Cost $3.95 per Month $47.40
TOTAL VALUE   $139.30
Total Signature Circle Value Non-eDocs $4.95 Per Month $126.70
The Chairman’s Club Value Maintain $2,500 Balance $186.70

 View The Chairman’s Club Newsletter


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.

  • Special gift for coming in and joining The U Club, or converting your Dollar the Dragon account
  • “How To” financial products, services, account management, budgeting & balancing videos
  • Financial Education tips (periodic e-newsletter)
  • Email Alerts for Low Balances or Balance Updates
  • Discounts or benefits at participating area businesses & venues
  • Birthday Bonus!