Unlike some big national banks we know, when you're utitilizing Hometown Banking—free means totally free.

• No minimum balance requirements
• No monthly maintenance charge
• Online banking with Bill Pay available
• Free Dial-A-Bank
• First order of checks free (box of 48 CNB wallets or duplicates)

**Before completing the application, please understand that you must come to one of our bank locations to finalize the account opening process if you have no other accounts with us.

Preferred Package

Can be added to this checking account for $5 per month.

- Free checks (wallets only or $5 credit on any other check product)

- Preferred rates on consumer loans (1/4% discount)

- Preferred rates on lines of credit (14% vs. 18%) -- subject to qualification

- Free money orders up to 5 per month

- Free notary service

- Free photocopy service (limit 10 per day)

- Free small safe deposit box or $15 credit towards a larger box

- No annual fee ATM or Debit Card -- subject to qualification

- Free individualized financial planning session

- No minimum usage fee for the Debit Card

- Internet Banking

- Dial-A-Bank

- Center Preferred Coupon Book, which includes:

- $50 off on first payment on direct consumer auto loan of $5000+ for 24 months or longer

- $25 off on first payment on consumer home improvement loan of $2500 or more for 18 months or longer

- $10 Center Cash

- $25 toward any Consumer Loan Fee

- $10 Center Cash with $4000 IRA deposit or $5 Center Cash with $3000 IRA deposit

- Free amortization schedule

- Two free stop payment coupons

- $200 off real estate closing costs, secondary market loans, purchase or refinancing over $50,000

- 1/4% CD rate increase on CD purchase or renewal (excludes Installment CD and special CD promos)