FREE CHECKING
Our checking is hard to beat!

• FREE CHECKS with direct deposit
• No minimum balance
• No monthly service fees
• No “Per Check Charge”
• Overdraft protection available *
• Direct deposit of your paycheck
• Your canceled check copies available on line, safe and secure
• Fast, convenient e-statements available on our secure website
• Immediate access to your checking account history on line

FREE ONLINE BILL PAYMENT
PAY BILLS ONLINE!
No more writing checks, licking stamps or mailing envelopes. Now you can pay bills online at no charge. *

Choose from:

• Pre-authorized Bill Payment (recurring)
  You establish payments for recurring bills automatically paid each month, such as rent,
  mortgages, or loans.
• On-Demand Bill Payment (non-recurring payments)
  For bills that fluctuate each month, like credit cards, or utilities, choose this option.

*On approved credit. Certain restrictions apply. After 60 days of non-use bill pay service may be terminated. $10 reinstatement fee may apply if you request to be reinstated.

FREE AUDIO TELLER -
Free account access available 24 hours a day.

• Balance Inquires
• Transfers
• Withdrawals
• Account History
• Loan Payments
• Place a Stop Payment on your check

Call 800-973-3328 for this free service!

VISIT US ONLINE where you can obtain your checking account history, balance your checkbook and see your canceled checks.

SIGN UP FOR FREE E-STATEMENTS ONLINE.

With our HFS ONLINE BANKING SERVICE you can be sure your information is safe and secure.