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Hometown Community Bank Website

General Banking FAQ

Account Information

Account types, stop payments, posting of deposits and transactions.

What is the difference between the various transaction views?

Current Business Day: The "Current Business Day" link displays all the transactions that are pending for the current business day. Current Statement: The "Current Statement" link displays all the transactions that have occurred during the current cycle. Previous Business Day: The "Previous Business Day" link displays all transactions that occurred the previous business day. Previous Statement: The "Previous Statement" link displays all the transactions that occurred since the last statement cycle. Transaction Menu: The Transaction Menu supplies an all-in-one page listing of account information. From this page, account balances, deposit information, and current account information can be viewed.

How can I view my checks online?

Check images can be viewed on all check transactions except for current day transactions. Check images can only be viewed if your financial institution has the capability to capture and image your cancelled checks. To view a check image, click on any of the following options: "Current Statement", "Previous Business Day", or Previous Statement". Click the hyperlink in the "Check Number" Column of the check image you wish to view. This will display the front of the check. To view the back of the check, simply click the "View Back of Check" link. You can also use the Check Image Search. This allows you to search by check number and date.

Can I have more than one account enrolled in Internet Banking?

Yes. You can access all of your bank accounts online. Once you have enrolled one account, you can add additional accounts by contacting a bank representative. Then you will be able to use the same User ID and Password to view information about all of your accounts.

What is the difference between Current and Available Balance?

Your Current Balance is the money that is in your account at the moment. Your Available Balance includes your available line of credit and any Memo posts that are pending at the time of your inquiry.

What is a memo in my account activity?

A memo is a note that is attached to your account when you have made a transaction on your account, but the bank has not actually processed the transaction. Common Memo transactions include debit card transactions, line of credit advances and ATM activity. When the bank processes the transaction, the Memo will be removed and a debit or credit will replace it. The one exception to this process is a debit card transaction. If the merchant where you used your debit card does not process that transaction the same day, the Memo debit will be taken off your account, and your account will be credited back the amount.

How current is the information I can view with Internet Banking?

Using the Account Summary feature of Internet Banking will give you the most current balance available, including any recent transactions/purchases. But, a transaction cannot be viewed until it has actually posted to your account.

What if I forget my password?

If you forget your password or enter it incorrectly, an error will be displayed on the screen and allow you to login again. After 3 unsuccessful attempts, your account will be locked. This means that you will have to contact the bank and ask if your internet banking account can be re-activated. The bank representative will be able to generate a new random password for you. The first time you login, your will be required to change you password. If you have any questions, please contact your bank representative for assistance.

Why can't I place a stop payment on a check online?

A stop payment is a time-sensitive matter. The most efficient way to place a stop payment is to call a bank representative.

What should I do if I have not received checks within two weeks of ordering them?

Please call us, and a bank representative will assist you.

What if I have a comment or suggestion for Online Banking?

We always want to give you the answers you need, when you need them. So if you ever have a question or comment, please feel free to contact us by phone, writing, or e-mail.

How long does it take for my deposit to be posted to my account?

Deposits sent via direct deposit or ACH are posted to accounts on the same day they are sent. It is not possible for us to determine how long it will take to receive a deposit via U.S. Mail; however, all deposits will post on the same business day they are received, but may not be immediately available. Customers are encouraged to ensure that their deposit posts to an account prior to initiating any transactions.

Why is my balance on the Account Summary screen different from the balance on the Account Detail screen?

The Account Summary page may not reflect some items that are pending for processing. Please refer to the account transactions within the Account Detail to see which items have posted to your account.

If I am uncertain about a transaction on my account, how can I find out what it is for?

If you are unsure of a transaction on your account, please call one of our bank representatives at to assist you.

What type of accounts can I access using Internet Banking?

Checking, Savings, Certificate of Deposits, Line of Credits, Credit Cards, Loans and IRAs

Checking

Information regarding checks and bank checking accounts.

Does Internet Banking accept direct deposits?

Yes, Internet Banking does accept direct deposits. For more information, please visit our Direct Deposit page within Make A Deposit.

How is interest calculated on my checking account?

Interest compounds and is credited to your account monthly based on your statement cycle.

Can I add a joint owner to my account?

Yes. If you would like to add a joint owner to your account, simply call us and a bank representative will assist you.

How can I make deposits into my account?

There are many convenient ways you can deposit money into your Internet Banking checking account. These options include: Mail us a check. Set up an automatic direct deposit into your account. Wire funds into your account. Transfer funds from another institution. Transfer funds from an existing Internet Banking account. Advance funds from your credit card. Visit a branch nearest you. For more information regarding account deposits, please refer to the Make A Deposit page within Account Services. Note: There may be a delay in fund availability when deposits are made by debiting your account at another institution. Funds will be available on the next business day for local banks and in 5 business days for non-local banks.

How long before my deposit will post to my account?

Your deposits sent via direct deposit, ACH or transferred from another Internet Banking account, generally post to the account on the same business day they are submitted. It is not possible for us to determine how long it will take to receive deposits sent via U.S. mail. All deposits will post on the business day in which they are received. We do recommend that customers verify their account balances prior to initiating any debit transactions.

How can I withdraw funds from my account?

There are several easy and convenient ways you can access funds from your Internet Banking accounts. Write a check. Use your Check Card. Wire transfer funds. Visit any of our ATMs. Use Internet Banking. Request a cashier's check. Visit a branch nearest you.

Will I still receive a statement for my checking account in the mail?

Yes. Our bank sends a monthly statement on all checking accounts. If you do not receive your monthly statement, please call a bank representative for assistance.

Can I order a copy of a past statement?

Yes. To order a copy of a past statement, please call a bank representative for assistance. Any applicable fees will be billed to your account.

How do I stop payment on a check?

A stop payment is a time-sensitive matter. The most efficient way to place a stop payment is to call a bank representative for assistance.

Who should I contact if I have problems with my account?

We always want to give you the answers you need, when you need them. So if you ever have a question about your account, please feel free to contact a bank representative.

Do you return my canceled checks?

If you have an account that returns canceled checks, your checking account canceled checks are always returned in your monthly statement.

Do you offer overdraft protection on checking accounts?

Yes. Our bank offers several different overdraft protection plans for your checking accounts. For more information regarding lines of credit, please call a bank representative.

How is interest calculated on my checking account?

Interest compounds and is credited to your account monthly based on your statement cycle.

Savings

Information regarding bank savings accounts.

How is interest calculated on my savings account?

Interest compounds and is credited to your account monthly based on your statement cycle.

Can I add a joint owner to my account?

Yes. If you would like to add a joint owner to your account, simply call us and a bank representative will assist you.

How can I make deposits into my account?

There are many convenient ways you can deposit money into your savings account. These options include: Mail us a check. Set up an automatic direct deposit into your account. Wire funds into your account. Transfer funds from another institution. Transfer funds from an existing Internet Banking account. Advance funds from your credit card. Visit a branch nearest you. For more information regarding account deposits, please refer to the Make A Deposit page within Account Services.

How can I withdraw funds from my savings account?

There are several easy and convenient ways you can access funds from your savings account including writing checks (on select Money Market accounts); visit any of the in network ATMs located worldwide; wire transfer funds; use Internet Banking or visit a branch near you.

Can I order more deposit slips and envelopes?

Absolutely! Our bank always provides FREE deposit slips and prepaid envelopes for all deposit accounts.

Will I still receive a statement for my savings account in the mail?

Yes. Our bank sends a monthly statement on all savings accounts. If you do not receive your monthly statement, please call a bank representative for assistance.

Who should I contact if I have problems with my savings account?

We always want to give you the answers you need, when you need them. So if you ever have a question on your account, please feel free to contact a bank representative.

Loans

Information on loan payments, rates and loan types.

How do I make my loan payment?

There are several options available to make your loan payment. These include: Transfer funds from your Internet Banking account online FREE. Have a payment automatically withdrawn from your account monthly. Mail payments in every month.

Are there any penalties for paying my unsecured loan off early?

No. Our bank does not assess any penalties for early payoff. If you would like to make additional principal payments to your loan, please contact a bank representative for assistance.

How will I receive my loan proceeds?

Our bank offers several options to receive your loan proceeds. We can either disburse funds to your checking or savings account, or if you prefer, mail you a check.

How is a variable rate different from a fixed rate?

Fixed rates do not change over the term of the loan. A variable rate, known as a floating or adjustable rate, can change over the term of the loan. Variable rates adjust periodically and are based on a standard market rate outside bank control.

How is a secured loan different from an unsecured loan?

With a secured loan, customers are backing the loan with a pledge of collateral, such as a car or home. With an unsecured loan, also known as a signature loan, the loan is not backed by any collateral.

Lines of Credit

Types, fees and payment to lines of credit.

What types of lines of credit do you offer?

Our bank offers several different line of credit plans to meet your needs. For more information regarding lines of credit, please call a bank representative.

How do I make payments to my line of credit?

There are several options available to make your line of credit payment. These include: Transfer funds from your Internet Banking account online FREE. Have a payment automatically withdrawn from your account monthly. Mail payments in every month.

Where do I send my line of credit payments?

Please send your line of credit payments to our main bank location.

Do I have to pay off the outstanding balance every month?

No. You don't need to pay the total outstanding balance on your line of credit every month. However, you will need to make the minimum payment.