Harford Bank - Consumer Checking Deposits

Consumer Checking Products

Type	Minimum Balance To Open	Monthly Service Charges	Features
Elite	$100	If account falls below minimum balance of $500 the following applies: $5.00 activity service charge $.30 per each item paid No S/C will apply if there is a direct deposit during the statement cycle. All Accounts are subject to other fees (refer to the current fee schedule).	If balance equals or exceeds $100 during the statement cycle the following applies: an earnings credit of $.80 for each $100 maintained in the account during the statement cycle
Senior	$100	All accounts are subject to a closeout fee (refer to the current fee schedule).	One of the authorized signers must be a minimum age of 60 years of age.
Hometown Premier	$100	A $9.00 monthly fee will be assessed if balance falls below the minimum balance. All accounts are subject to a closeout fee (refer to current fee schedule).	First order of checks free Savers Club Book Credit Alert $20 Discount/year on Safe Deposit Box Rental Prewards Up to $2,500 ID theft insurance Surcharge free Money Pass ATM Network
Hometown Premier Plus	None	$6.00 monthly membership fee All accounts are subject to a closeout fee (refer to the current fee schedule).	All benefits from the Hometown Premier PLUS: Up to six free orders of checks/year Online Banking with FREE Bill Pay Everyday Rebate Rewards $40 discount per year on Safe Deposit Box Rental Triple Bureau Credit Alert Up to $5,000 ID theft insurance
Personal Investment	$100	A $10.50 per check fee will be assessed for each check paid in excess of three checks paid per statement cycle. All accounts are subject to a closeout fee (refer to current fee schedule).	Combines higher interest rates with limited check writing. Interest is compounded and credited monthly. Tiers are defined by balances (refer to the current rate sheet). Withdrawals are limited to 6 per statement cycle through check, wire transfer, telephone transfer, internet transfer, and/or ACH debit of which only three can be by check. Unlimited in person withdrawals.

Phone: 410-272-5000 ext. 2111