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SMART CHECKING

This Smart Account has no minimum balance requirement and no monthly fee. Smart Checking is ideal for those who use a debit card and want to receive electronic statements. This account bears interest at a rate tiered to your monthly debit card use. Interest is paid on the Average Daily Balance. Enjoy unlimited ATM access at any Hershey State Bank ATM. Electronic statement delivery is required for this account.

Interest Rate Tiers
2.02 APY% for 75 or more transactions
1% APY for 50 or more transactions
.5% APY for 20 or more transactions
If electronic statement delivery is not maintained, this account is subject to a $10 monthly Statement Delivery Fee.

REGULAR CHECKING

Regular checking can be free of any service charges if you maintain a $100 minimum daily ledger balance. A $5 maintenance fee and 20 cent per debit fee (both paper and electronic) will be listed on your statement if your ledger balance falls below $100 anytime during the statement cycle. Other account related fees listed in this schedule may apply to this account.

With this account you receive:
Free VISA Debit or ATM Card
Unlimited Check writing

SIMPLICITY CHECKING

A simple ten dollars per month service charge and you receive:
Unlimited Check writing
Free Direct Deposit
Free First Box of “BASIC” Checks

NOW ACCOUNT CHECKING.

We will pay interest on this checking account if you open and maintain a daily ledger balance of $1500 or more. No interest will be earned on daily ledger balances of less than $1500. A $5 maintenance fee and a 20 cents per debit fee (both paper and electronic) will be listed on your statement if your ledger balance falls below $100 anytime during the statement cycle. Other account related fees listed in this schedule may apply to this account. Please contact us for current rates.


BUSINESS INTEREST CHECKING

This account pays the same interest as our Money Market Account and has the convenience of our Regular Checking Account. This account can be free of any service charges if you maintain an average daily balance of $2,500. A $25 maintenance fee and 20 cent per debit fee (both paper and electronic) will be listed on your statement if your daily average balance falls below $2500 anytime during the statement cycle. Other account related fees may apply. This account is limited to Business Ventures


GOLDEN AGE CHECKING & SAVINGS.

If you have reached your 60th birthday, this account is for you. There are no minimum balance requirements and no activity fees are charged (Except excess use fees). Account related fees listed in this schedule may apply to this account.


SAVINGS ACCOUNT.

This account may be opened with a minimum of $10. In order to avoid a service charge $100.00 must be maintained. If the balance is below $100.00 (even at opening) anytime during a calendar quarter this account will be charged a maintenance fee of $2.00. Base fees will be waived for minors (18 and under) upon request. There is an excess activity fee of $5.00 for each preauthorized or automatic debit or payments (paper or electronic) in excess of 6 debits per calendar month. Preauthorized debits are limited to six per calendar month. Preauthorized debits include transfers authorized by telephone, transfers and payments authorized by agreement. There is no limitation on the number of withdrawals or transfers you may make at the teller line or an ATM. Seniors may request Golden Age Savings. Please contact us for current rates.


MONEY MARKET ACCOUNT.

If you want to earn higher interest rates and do not write many checks or debits, this account is for you. You are limited to six pre-authorized debits per statement cycle. Only three of these preauthorized debits may be payments by check to third parties. Preauthorized debits include transfers authorized by telephone, transfers and payments authorized by agreement, and checks made payable to third parties. This account has no service charges unless you exceed the authorized six debits per cycle. An activity fee of $5 per debit will be charged for each item over the six pre-authorized. There is no limitation on the number of withdrawals or transfers you may make at the teller line or an ATM. You must deposit $500 to open this account. If your balance falls below $2500 interest will be paid at the regular savings account rate. Please contact us for current rates.