Business Checking

HOME FEDERAL OFFERS MORE WAYS TO HELP YOUR BUSINESS

Small business is the lifeblood of our community, so we are determined to support your business with practical, efficient and productive business products and services. Home Federal's Business Checking Accounts are set up to fit the needs of our commercial accounts. And re-ordering checks is easy and fast.

Business Checking Accounts

Because your business relationship is important to us and we realize that individual business needs vary, we provide a personal assessment to determine which of the following accounts best fits your needs:

	Analysis Checking If your business has an average to high number of monthly transactions and higher balances, Analysis Checking may be right for you. An earnings credit is used to offset fees, based on the average available balance less reserves. There is a $5 maintenance fee per month, 10¢ per debit item and 5¢ per deposit item. The earnings credit to offset these fees is based on the 91-day U.S. T-Bill rate for the previous month.
	Basic Business Checking Not every business needs a complex checking account. Small businesses with a low volume of debit and deposit activity will find our Basic Business Account simple, easy to manage and a good value. There is a $10 maintenance fee per statement cycle, 15¢ per debit item over 40 per month, and 10¢ per deposit item over 50 per month.
	Business Interest Checking Here's an interesting account for qualifying businesses - available to sole proprietors (small businesses) and non-profit organizations only. Earn interest that is paid monthly on collected balances. The $10 monthly maintenance fee is waived if you maintain a $1,000 minimum daily balance. Transaction fees are 15¢ per debit item over 50 per month, and 10¢ per deposit item over 50 per month.
	Tiered Money Market Account From a checking account for managing day-to-day operational expenses to a high interest Money Market Account for managing cash, Home Federal can meet all of your business banking needs. Our Tiered Money Market Account rates allow higher interest earnings with higher deposits. There is a $10 monthly fee if the balance falls below $1,000. Six debits, no more than three by check, are allowed each month. Be sure to check out Home Federal's interest rates on these accounts.

Our Business Checking Accounts offer many features and benefits, some of which include:

	Itemized End-of-the-Month Statement
	Check Image Statements and Binder
	24 Hour Telephone Banking for Balance Inquiries & Transfers
	Computer Checks
	Night Deposit Available -- Including FREE Night Deposit Bags
	Convenient Hours & Locations

Additional Account Benefits/Services:

Line of Credit / Overdraft Protection

A Home Federal Line of Credit provides overdraft protection by automatically making advances to your checking account with an approved amount ranging from $100 to $1,500. The Line of Credit covers any checks or withdrawals up to the approved amount.

Back Up Account

A Home Federal Back Up Account is available on all qualified checking accounts. Funds are transferred from the Back Up Account to cover checks or withdrawals against the checking account up to the approved amount. The ownership on the checking account and the back up account must be identical, and each transfer carries a charge of $3.00

24 Hour Telephone Banking

Home Federal’s 24 Hour Telephone Banking is simple to use and gives you freedom to access account information (for checking accounts, savings accounts, Certificates of Deposit, consumer loans and mortgage loans) and transfer funds anywhere there is a touchtone phone. The convenience of 24-hour banking, 7 days a week, absolutely FREE!

Just call the 24 Hour Telephone Banking line at 308-381-1020 and follow the step-by-step instructions. As an added convenience, you can speak to a Customer Service Representative during our regular business hours by pressing "0". When you call, all you need are your 10-digit account number (shown on your account statement or loan payment coupon) and your Personal Identification Number (PIN). As a security measure, you will be asked to establish a new 4-digit PIN the first time you access information on a particular account. (A number of customers find it convenient to use their ATM PIN number. You can use the same PIN for all of your accounts.)

Online Banking

With our online banking product, Bank@Home, customers are able to access account information, transfer funds, and review statements from the comfort of their home or business using the Internet. (You can even access your account while on vacation or out of town on business.) For more information about Bank@Home, select Frequently Asked Questions.

Check Card

A Home Federal Check Card lets you use your checking account without writing a check. Instead of writing a check to make a purchase, you simply use your Home Federal Check Card. The amount of your purchase will be automatically deducted from your Home Federal checking account, just as if you had written a check. You will get a receipt on the spot, and a description of the transaction will appear on your next monthly statement. A Home Federal Check Card works wherever you see the VISA sign . . .even in places that won’t accept a personal check. And, should you run low on cash when you’re out of town, just use VISA, CIRRUS, NETS, or PLUS ATMs across the country. You’ll get cash quickly and easily. Again, the amount of cash withdrawal is deducted from your checking account . . . just as if you had written a check.

	No monthly or annual fee
	Works like a check
	Use it anywhere VISA is accepted

Corporate Credit Card

Qualifying for a Home Federal (Elan) VISA for your business is easy. Your authorized employees will be able to make purchases, entertain clients and pay travel expenses through the convenience of a corporate credit card, and itemized statements make record keeping easy.

Be sure to check out our Rates, Checking Account Disclosures and Interest and Fees for further details!

If you are interested in any of these products, you can either Apply Now or contact us for further information.

For additional items of interest pertaining to other business matters, visit our Business Tools section.

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