Monday, May 20, 2019
Online Banking

Guardian Checking

Hometown Guardian
Minimum Balance to Open Account $100 $100 IDProtect - Identity Theft Protection Service1 -
Minimum Balance Requirement None $2,500 Combined Balance in Personal Deposit Accounts * • Identity Theft Expense Reimbursement2
Monthly Service Fee $5.99 $3.99 • Comprehensive Identity Theft Resolution Services
Interest Paid on Account None Yes, if Balance is $500 or more • Debit and Credit Card Registration3
Transaction Limitations Unlimited Unlimited • 3-in-1 Credit File Monitoring3
Free Debit Card Yes Yes • 3-in-1 Credit Report3
Free Online Banking Yes Yes • Total Identity Monitoring3
Free Mobile Banking & Mobile Deposits Yes Yes Cellular Telephone Protection2
Online Bill Pay** $5.95 per Month Free Debit Advantage™ Buyers Protection & Extended Warranty2
Statement Delivery eStatement Required Paper or eStatement Option-Includes Item Images $hopping Rewards™3
Surcharge Free ATM Transactions MoneyPass© or SUM MoneyPass© or SUM Travel and Leisure Discount Membership3
Free Personal Checks (Standard Design) None Yes Health Discount Savings3
This is NOT insurance.
1st Aid Overdraft Protection*** $15 Annual Fee No Annual Fee Accidental Death & Dismemberment Insurance2
Safe Deposit Box Rental Discount None $5 Annual Discount  
Wire Transfer Discount None $5 Discount Per Wire  
* Additional Fee of $10 per Month if Minimum Balance is not maintained each day.
** Includes first 20 transactions per month, $.50 for each transaction thereafter.
*** Subject to credit approval.
1IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners).  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s).  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).  Service is not available to a "signer" on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.
2Special Insurance Program Notes:  The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance.  Guide to Benefit is provided at account opening.  
3Registration/activation/enrollment required.

Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.   



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