Personal Checking

Checking Choices

At HSB, we are proud to offer personal checking account choices to meet your individual financial needs. Whether you just need a basic account, or want one that rewards you for usage, we have you covered. All personal checking accounts feature online banking, optional overdraft protection, mobile banking, bill pay, Visa Debit or ATM cards, electronic or traditional statements and more!

HSB Free Checking

Just the basics - no monthly service charge with required electronic statements and direct deposit (conditions must be met within 60 days of account opening).

HSB Rewards

More than just checking - valuable cash rewards and a free annual debit card design! A $4.99 monthly service charge is assessed, but this fee is waived if you have direct deposit.

HSB Rewards Plus Interest

Our most rewarding checking account - valuable cash rewards PLUS Interest, a free annual debit card design, and more! A $10 monthly service charge is assessed, but this fee is waived if you have direct deposit or maintain a minimum daily balance of $1,000. Interest is compounded daily and credited monthly.

HSB Ready

A basic checking account without direct deposit or electronic statement requirements. A $7 monthly service charge is assessed, but this fee is waived if the primary account holder is a full-time student younger than 26 or a senior citizen 62 or older.

Account Comparison Table

Decisions made easy. Use our account comparison table for a side-by-side look at our personal checking choices.

Account Comparison	HSB Free Checking	HSB Rewards	HSB Rewards Plus Interest	HSB Ready
Opening Deposit	$25	$100	$1,000	$100
Monthly Service Charge	None	$4.99; waived with direct deposit	$10; waived with direct deposit or a minimum daily balance of $1,000	$7; waived for full-time students or senior citizens*
Interest	None	None	Included with a minimum daily balance of $1,000**	None
Statements	Electronic Statements Required	Electronic or Traditional	Electronic or Traditional	Electronic or Traditional
Direct Deposit	Required	Optional	Optional	Optional
	None	Included₁	Included₂	None

Customer Overdraft Policy

*The primary account holder must be a full-time student younger than 26 with proof of enrollment, or a senior citizen 62 or older. Full-time students' monthly service charge waiver will automatically expire on their 26th birthday.

**Interest is earned when a minimum daily balance of $1,000 is maintained. Fees may reduce earnings. For the current interest rate, contact our Customer Care Center at 410-749-1185.

₁HSB Rewards Account Benefits:

A $2 deposit to your account for every 10 point-of-sale debit card transactions (maximum $20 per statement cycle).
One free upgraded instant issue debit card design per account per year. See upgraded designs.

See HSB Rewards FAQ

₂HSB Rewards Plus Interest Account Benefits:

A $2 deposit to your account for every 10 point-of-sale debit card transactions (maximum $20 per statement cycle).

One free upgraded instant issue debit card design per account holder per year.

A coupon for a 0.25% interest rate enhancement on one certificate of deposit and a coupon for a 0.25% interest rate reduction on one consumer loan (coupons issued upon account opening or conversion date of 6/1/25).

See HSB Rewards Plus Interest FAQ

For more information on rates or to learn more about these accounts, please contact our Customer Care Center at 410-749-1185 or use the Contact us form.