Rutherford County Bank 2007 Cherryville Federal Bank 1912 Industrial Federal Bank 1929 Home Savings Bank 1909 Shelby Savings Bank 1905 Tryon Federal Bank 1935 HomeTrust Bank 1926 HomeTrust Banking Partnership

Checking to fit your life

Compare checking accounts and benefits and pick the one that works for you. Because we're a local, community bank, you may find accounts and features with us that are not available at bigger banks, such as FREE Checking-with no monthly service fee and FREE debit card.

BENEFIT COMPARISON CHART Premium
CheckingOPEN
Primetime
Checking
Homeowner's
Advantage
Basic
CheckingOPEN
Free
CheckingOPEN
Getting Started Checking
Minimum opening balance $100 $100 $100 $100 $100 $100
Unlimited check writing Included Included Included Included Included Included
Overdraft Protection options available Included Included Included Included   Included
Tiered Interest $0 – $499
$500 – $999
$1,000 – $2,499
$2,500 – $9,999
$10,000+
$0 – $499
$500+
$0 – $499
$500+
$0 – $499
$500+
No Interest Getting Started Savings earns premium interest rate up to $25,000 with a $25 minimum monthly automatic transfer to savings
Free Photo Debit Card with Rewards Included Included Included Included Included Included
Free Online Banking with optional Bill Pay Included Included Included Included Included Included
24-Hour Telephone Banking Included Included Included Included Included Included
Free unlimited access to all of our ATMs Included Included Included Included Included Included
Free transactions at other ATMs1 5* per month Unlimited 2 per month 2 per month 2 per month 5 per month
Free checks Free for life First order of 50 First order of 50 First order of 50 First order of 50 First order of 50
No 2:00 pm cutoff for deposits Included Included Included Included Included Included
Free unlimited access to all tellers, bank locations, and phone assistance Included Included Included Included Included Included
Free or discounted safe deposit box2 Included Included Included      
FREE official checks Included Included        
No-annual-fee credit card with preferred rate3 Included Included Included Included   Included
Preferred rates on selected CDs Included          
Preferred rates on personal loans3 Included          
Home equity line with no closing costs3 Included Included Included      
Qualifications and monthly service fee $1,000 minimum balance or $5,000 in combined balances or $10 monthly fee Age 50 or BETTER Own or buying a home Never a monthly service fee Never a monthly service fee Anyone age 16 – 25 or anyone saving for a home**
  Premium
CheckingOPEN
Primetime
Checking
Homeowner's
Advantage
Basic
CheckingOPEN
Free
CheckingOPEN
Getting Started Checking

1ATM owner may charge a fee.
2Free small box based upon availability or $10 credit towards larger box.
3Based upon approved credit.

* Unlimited ATM usage for customers age 50 or better.
** Getting Started Savings has no fee for the first year, then $2/month if the balance falls below $200.

HomeTrust Banking Partnership 10 Woodfin Street, Asheville, NC 28801   PO Box 10, Asheville NC 28802   800.627.1632
Member FDIC / Equal Housing Lender Equal Housing Lender
Awards