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Deposit Products
First Home Bank offers a deposit product to meet your neeeds. To obtain more information, or open an account, just stop by or give us a call!.
- STARTER HOME Account (Basic Checking):
Minimum to open - $100.00
10 checks per month - No charge; then, $.30/check
ATM Access - No Fee available
Debit Card/POS (Point of Sale) - No fee
Overdraft Protection Available
Imaged check statements
- HOMESTEADERS Account (Interest Checking):
Minimum to open - $100.00, Maintain $500.00 to earn interest
Unlimited Check Writing - No Per Check Charge
Service Charge Waived With Minimum Balance ($500) or Direct Deposit
An Interest Bearing Account with Tiered Rates:
ATM Access - No Fee available
Debit Card/POS (Point of Sale) - No Fee
Overdraft Protection Available
Imaged check statements
- PASSBOOK SAVINGS Accounts
Enjoy our most popular savings account and have a permanent record of all your transactions in one convenient passbook.
Minimum to open - $10.00
Interest is compounded daily and paid quarterly
Up to six transfers per month
Up to ten transaction per quarter
- MONEY MARKET Accounts
Earn interest on your funds while enjoying up to six withdrawals per statement period. Interest rates are tiered, increasing as the daily account balance increases.
Minimum to open - $1,000.00
Earn interest with a daily balance of $2,500.00 or more
The higher your balance, the more interest you earn:
Level 3 - $50,000 and above - .25% rate, .25% APY
Level 2 - $25,000 - $49,999 - .25% rate, .25% APY
Level 1 - $2,500 - $24,999 - .25% rate, .25% APY,
- JUMBO MONEY MARKET Account
No Service Charges with Minimum Daily Balance.
Monthly Itemized Statement of Transactions.
24-hour Access. Monthly Compound.
Transaction limits apply.
Level 5 $250,000 and above .50%, .50%APY
Level 4 $95,000 - $249,999 .50%, .50%APY
Level 3 $50,000 - $94,999 .25%, .25%APY
Level 2 $25,000 - $49,999 .25%, .25%APY
Level 1 $ .00 - $24,999 0.00%, 0.00%APY
Up to six transfers per statement cycle with no fee
Up to three checks per statement cycle with no fee
Service Charge: Should your balance drop below $1,000.00, a $20.00 monthly maintenance fee will be charged.
Federal Banking Regulations limit transfers from a Money Market account to six per statement cycle. Only three of these transfers may be by check to a third party. Checks in excess of three per cycle are $10 each.
Early Closing Fee: FEES MAY REDUCE EARNINGS. There is a $20 early closing fee if the account is closed within 6 months.
Earn an even higher rate of interest on your funds with a Certificate of Deposit account - Minimum to open & earn is $1,000. Interest is compounded daily and paid quarterly.
Terms are available to suit your needs:
60 months - 3.50%, 3.56%APY
36 months - 3.25%, 3.30%APY
24 months - 3.25%, 3.30%APY
12 months - 3.00%, 3.05%APY
182 days - 1.00%, 1.01%APY (simple interest, paid at maturity, APY only disclosed for regulatory purposes)
Penalties apply for withdrawals from CD's prior to maturity and will affect your yield.
Penalty:
182 Days - forfeiture of all interest on withdrawal amount
12 Month - penalty of 6 months interest on amount withdrawn subject to penalty
24 Month - penalty of 6 months interest on amount withdrawn subject to penalty
36 and 60 Month - penalty of 6 months interest on amount withdrawn subject to penalty
First Home Bank ATM (accountholders)..................No fee*
POS (Point of Sale)Transactions ......................No fee
STAR & PRESTO! (Publix) Network ATMs
*Please note that host institutions may impose a fee for using their ATM in addition to that assessed by First Home Bank.
Annual fee:
3 x 5 - $30.00
3 x 10 - $60.00
5 x 10 - $75.00
10 x 10 - $120.00
Non-refundable key deposit of $10.00
Commercial Mortgage Loans
Consumer Loans
Business Loans
Automatic Debit for Payments
ATM Cards
VISA Credit and Debit Cards
Traveler's Checks
Notary Service
Direct Deposit
Overdraft Protection
Internal Transfers
Telephone Transfers
Wire Transfers
Home Sweep Account
Cashier's Checks
Money Orders
Savings Bonds
Bank by Mail
Saturday hours
24 Hour Night Depository
Fresh-baked Cookies Served Daily with a Smile!
| Replace ATM Card | $10.00 |
| Check Printing | (depends on style ordered) |
| Cashier's Check & Money Orders | |
| Customer | $5.00 |
| Non-customer | $15.00 |
| Traveler's Checks | |
| One Signature | $1.00 per $100 |
| Two Signatures | $2.00 per $100 |
| Deposited Checks (and other items) returned unpaid | $7.50 |
| Dormant Account Fee - Checking | $10.00 |
|
A checking account is dormant if for 18 months there has been no activity on the account | |
| Dormant Account Fee - Savings | $10.00 |
|
A savings account is dormant if for three years there has been no activity on the account | |
| Legal Fee (i.e. Levy/Garnishment Processing) | $100.00 each |
| NSF Fee items (each debit or check) | $30.00 each + $7.50/day ea. day uncollected |
| Uncollected | $30.00 each |
| Copy of Special Statement | $5.00 each + $1.00 per page |
| Multiple Stmnt. CD's available upon request | starting @ $50.00 |
| Stop Payments on Checks | $25.00 |
| Stop Payments on ACH Debits | $15.00 |
| Fax Service | |
| Local | N/C |
| Long Distance | $2.00/page |
| Coupon Bond Redemption | $45.00/envelope |
| Domestic Collection Fee | $15.00 |
| Loose Coin Fee | |
| (In bulk for non-commercial accounts) | 5% of coin total |
| Bookkeeping Account Research | $25.00/hour plus $1.00 per page |
| Notary Service or Signature Guaranty | |
| Customer | No Charge |
| Non-customer | $5.00/document |
| Wire Transfers | |
| Outgoing-Domestic | $15.00 |
| Outgoing-Foreign | $45.00 |
| Incoming | $15.00 |
| |
- BASIC BUSINESS Checking
Minimum to open - $100.00
Flat $15.00/month maintenance fee
Designed especially for small businesses with limited check writing needs. This account provides a monthly summary of all account activity with convenient images of checks and deposits.
- NOW BUSINESS checking
Available only for sole proprietors, non-profit organizations and clubs. Earn interest on your account, receive monthly statements with imaged checks and deposits. Interest rates are tiered, increasing as the daily account balance increases.
Minimum to open - $100.00
Low minimum maintenance fee of $15.00
Earn a higher rate of interest as your balance increases
Higher balances earn more interest:
Level 4 $5,000 - above .25%, .25%APY
Level 3 $2,500 - $4,999 .25%, .25%APY
Level 2 $1,000 - $2,499 .10%, .10%APY
Level 1 $500.00 - $ 999 .10%, .10%APY
- BUSINESS MONEY MARKET Account
No Service Charges with Minimum Daily Balance.
Monthly Itemized Statement of Transactions.
24-hour Access. Monthly compound.
Transaction limits apply.
Higher balances earn more interest:
Level 4 $50,000 - above .25%, .25%APY
Level 3 $25,000 - $49,999 .25%, .25%APY
Level 2 $2,500 - $24,999 .25%, .25%APY
Level 1 $1.00 - $ 2,499 0.00%, 0.00%APY
- JUMBO MONEY MARKET Account
No Service Charges with Minimum Daily Balance.
Monthly Itemized Statement of Transactions.
24-hour Access. Monthly Compound.
Transaction limits apply.
Level 5 $250,000 and above .50%, .50%APY
Level 4 $95,000 - $249,999 .50%, .50%APY
Level 3 $50,000 - $94,999 .25%, .25%APY
Level 2 $25,000 - $49,999 .25%, .25%APY
Level 1 $ .00 - $24,999 0.00%, 0.00%APY
- Other Business Services
Business Time Deposits (C.D.'s)
Home Sweep Account
Free Employee Accounts (with)
Direct Deposit of Payroll
Computerized Banking
Night Deposit
(Non-Cash) Courier Service
Combined Statements
Depository for Taxes
Safe Deposit Boxes
