Personal Checking


A Home Bank checking account allows customers to easily access accounts online and on their mobile devices, with the option to set up online bill payment. Upgrading to Secure, Premier, or Premier Gold accounts gives access to additional services, including IDProtect identity theft and cell phone protection.


Use the chart below to compare account services and find the plan that’s best for you.

IDProtect® Identity Theft Protection


Identity theft protection is increasingly important, as ID theft can drain financial accounts, damage credit, endanger employment, and be very expensive to repair. To protect our customers, ID Protect® Identity Theft Protection is included with Secure, Premier, and Premier Gold accounts to ensure safety. Please stop by a Home Bank branch to discuss the details of ID Protect® so we can protect your identity.

Contact Information 

Lost Credit Card: (877) 610-7889 

File an ID Protect Claim: (888) 716-5437

Speak with a Resolution Fraud Specialist 

Business Hours: (877) 610-7889 

After Hours: (877) 237-9602 

Call or visit any Home Bank location to learn more or register online.

Automatic Benefits

With a Secure, Premier or Premier Gold checking account, you automatically receive these benefits in the case of an identity fraud incident: 


  • Up to $10,000 identity fraud expense reimbursement coverage—to cover expenses associated with restoring your identity 
  • Fully-managed identity theft resolution services 
  • Access to a fraud specialist who will manage your case until your credit and identity are restored 
  • Cell phone protection—see below

Benefits with Registration and Activation

  • Credit File Monitoring—daily credit file monitoring and automated alerts of key changes to Experian, Equifax, and TransUnion credit reports.
  • Total Identity Monitoring—continuous monitoring of more than 1,000 databases, including credit, social security, public records, real                      property records, and telephone.
  • 3-in-1 Credit Report 
  • Credit score access 
  • Debit and credit card registration 
  • Online identity theft news center 
  • Cellular telephone protection

Registration Instructions

To receive these additional benefits, register your account online. Go to IDProtectMe247 and use access code you were given at account opening. Follow the instructions to register and activate benefits. Call 1-877-610-7889 with questions about benefits and services or for assistance with registration and activation.

Cell Phone Protection

With a Secure, Premier or Premier Gold checking account, Home Bank customers receive up to $300 in replacement or repair costs if their cell phone is stolen or damaged when the cell phone bill is paid through a Home Bank Secure, Premier, or Premier Gold checking account. This covers damages in the US and abroad and is a more cost-effective way to insure a cell phone than through the cell phone provider.

Visa Check Card

A Visa Check Cards looks like a credit card and works like a check. Access your money quickly and easily at any time. The VISA® Check Card is a debit and Automated Teller Machine (ATM) card, and can be used everywhere VISA® cards are accepted. 


Features and Benefits


It’s a debit card  

Home Bank VISA® Check Cards works like a check, so any purchases you make will automatically be deducted from your Home Bank checking account. Use it anywhere you see the VISA® logo. 


It’s an ATM card  

Access your deposit accounts, make cash withdrawals, or transfer at ATMs worldwide that display the VISA® symbol. Plus, there’s never a surcharge fee for using your VISA® Check Card at a Home Bank ATM.



The MoneyPass ATM network has over 16,000 surcharge-free ATMs, giving you more options to quickly access your money at no cost. For more information, visit their website at and avoid paying surcharges today!

Overdraft Privilege

Made an honest mistake in your checkbook? Found yourself a little short on funds? Had unusual or unforeseen expenses at the wrong time? Relax. You deserve consideration. Rather than automatically returning any insufficient funds items that you may have, we will consider payment of your reasonable overdrafts without obligation.


Overdraft privilege can include:


  • Fewer charges from retailers for returned checks.
  • Convenience and flexibility in managing your funds.
  • Payment of overdrafts up to $700 ($400 on free checking accounts) will normally be considered on eligible personal checking accounts.

Get Started

Contact us to discuss your options today.