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Deposit Products
First Home Bank offers a deposit product to meet your neeeds. To obtain more information, or open an account, just stop by or give us a call!.
- STARTER HOME Account (Basic Checking):
Minimum to open - $100.00
Overdraft Transfers Available
First 52 personalized checks free
10 checks per month - No charge.
Checks in excess of 10 per month are charged $.50/check
ATM Access - No Fee At First Home Bank ATM
No fee to use Presto ATMs at Publix
Debit Card/POS (Point of Sale) - No fee
Imaged check statements
- HOMESTEADERS Account (Interest Checking):
Minimum to open - $100.00, Maintain $500.00 daily to earn interest
We may change the interest rate at any time.
Unlimited Check Writing - No Per Check Charge
Service Charge Waived With Minimum Balance ($500) or Direct Deposit
Overdraft Transfers Available
ATM Access - No Fee at First Home Bank ATM
No fee to use Presto ATMs at Publix
Debit Card/POS (Point of Sale) - No Fee
Imaged check statements
Service Charge: Should you balance drop below $500, a $5.00 monthly fee will be charged.
- SAVINGS Accounts
Minimum to open and earn interest - $10.00
Monthly fee of $6.00 will be imposed every monthly statement cycle if the balance falls below $10.00 any day of the cycle.
Interest is compounded daily and paid quarterly
We may change the interest rate at any time.
Up to six transfers per month
Up to four debit transaction per month
Debit transactions in excess of 4 are charged $2.50 each.
- MONEY MARKET Accounts
Minimum to open - $1,000.00
Earn interest with a daily balance of $2,500.00 or more
Interest Rates are tiered, Higher balances earn higher interest:
Tier 1 - $2,500 - $24,999. - 20% APY
Tier 2 - $25,000 - $49,999 - .25%APY
Tier 3 - $50,000 - and above - .40%APY
A monthly fee of $20.00 will be imposed if the balance drops below $1,000 any day of the month.
Transaction limits apply
Up to six transfers/checks per statement period.
Checks in excess of six per statement are $10 each.
Monthly Itemized Statement of Transactions.
24-hour Access. Monthly Compound.
Early Closing Fee: FEES MAY REDUCE EARNINGS. There is a $25 early closing fee if the account is closed within the first 90 days.
Federal Banking Regulations limit transfers from a Money Market account to six per statement cycle. All six may be by check to a third party.
APY= Annual Percentage Yield
Earn an even higher rate of interest on your funds with a Certificate of Deposit account - Minimum to open & earn is $1,000. Interest is compounded daily and paid quarterly.
Terms are available to suit your needs:
60 months
36 months
24 months
12 months
182 days (simple interest, paid at maturity, APY only disclosed for regulatory purposes)
Penalties apply for withdrawals from CD's prior to maturity and will affect your yield.
Penalty:
182 Days - forfeiture of all interest on withdrawal amount
12 Month - penalty of 6 months interest on amount withdrawn subject to penalty
24 Month - penalty of 6 months interest on amount withdrawn subject to penalty
36 and 60 Month - penalty of 6 months interest on amount withdrawn subject to penalty
Certificates available as IRA's
First Home Bank ATM (accountholders)..................No fee*
POS (Point of Sale)Transactions ......................No fee
PRESTO! (Publix) Network ATMs
*ATM withdrawals at institutions other than First Home Bank and Publix may be charged by that institution and network.
Annual fee:
3 x 5 - $30.00
3 x 10 - $60.00
5 x 10 - $75.00
10 x 10 - $120.00
Non-refundable key deposit of $10.00
Commercial Mortgage Loans
Consumer Loans
Business Loans
Automatic Debit for Payments
ATM Cards
VISA Credit and Debit Cards
Notary Service
Direct Deposit
Overdraft Transfers
Internal Transfers
Telephone Transfers
Wire Transfers
Home Sweep Account
Cashier's Checks
Money Orders
Savings Bonds
Bank by Mail
Saturday hours
24 Hour Night Depository
| Replace ATM Card | $15.00 |
| Non-Refundable Safe Deposit Box Key | $10.00 |
| Check Printing | (depends on style ordered) |
| Cashier's Check & Money Orders | |
| Customer | $5.00 |
| Deposited Checks (and other items) returned unpaid | $7.50 |
| Dormant Account Fee - Checking | $10.00 |
there has been no activity on the account. This fee is charged each month |
| Dormant Account Fee - Savings | $10.00 |
there has been no activity on the account. This fee is charged each month |
| Early Closing Fee - Charged if any account is closed within the first 90 days of opening | $25.00 each |
| Legal Fee (i.e. Levy/Garnishment Processing) | $100.00 each |
| Overdraft Transfers Available | $5.00 per transfer |
| NSF Fee items (each debit or check) | $35.00 each + $7.50/day each day uncollected |
| Uncollected | $35.00 each |
| Copy of Special Statement | $5.00 each + $1.00 per page |
| Multiple Stmnt. CD's available upon request | starting @ $50.00 |
| Stop Payments on Checks or ACH Debits | $25.00 |
| Phone Transfers | $5.00 each |
| Fax Service: | |
| Local | N/C |
| Long Distance | $2.00/page |
| Coupon Bond Redemption | $45.00/envelope |
| Domestic Collection Fee | $25.00 |
| Foreign Collection Fee | $45.00 |
| Loose Coin Fee | |
| (In bulk for non-commercial accounts) | 5% of coin total |
| Bookkeeping Account Research | $25.00/hour plus $1.00 per page |
| Notary Service or Signature Guaranty | |
| Customer | No Charge |
| Wire Transfers | |
| Outgoing-Domestic | $22.00 |
| Outgoing-Foreign | $45.00 |
| Incoming | $22.00 |
| |
- BASIC BUSINESS Checking
Minimum to open - $100.00
Flat $15.00/month maintenance fee
Designed especially for small businesses with limited check writing needs. This account provides a monthly summary of all account activity with convenient images of checks and deposits.
- NOW BUSINESS Checking
Available only for sole proprietors, non-profit organizations and clubs. Earn interest on your account, receive monthly statements with imaged checks and deposits. Interest rates are tiered, increasing as the daily account balance increases.*
Minimum to open - $100.00
Maintain a $500 balance to earn interest.
Low minimum maintenance fee of $15.00
Earn a higher rate of interest as your balance increases
Higher balances earn more interest.
Tier 1 - $500 - $2,499 - .10% APY
Tier 2 - $2,500 - .20% APY
APY = Annual Percentage Yield
- BUSINESS MONEY MARKET Account
Minimum to open - $1000.00
No fee with Minimum Daily Balance.
Monthly fee of $20.00 will be imposed if balance drops below $1,000 any day of the statement cycle.
Rates are tiered. Higher balances earn higher interest:
Earn interest with a daily balance of $2,500.00 or more
Tier 1 - $2,500 - $24,999. - 20% APY
Tier 2 - $25,000 - $49,999 - .25%APY
Tier 3 - $50,000 - and above - .40%APY
Transaction limits apply.
Six transfers/checks per statement cycle with no fee.
Checks in excess of six are charged $10.00 each.
Monthly Itemized Statement of Transactions
24-hour Access. Monthly Compound.
Early Closing Fee: FEES MAY REDUCE EARNINGS. There is a $25 early closing fee if the account is closed within the first 90 days.
Federal Banking Regulations limit transfers from a Money Market account to six per statement cycle. All six may be by check to a third party.
APY= Annual Percentage Yield
- Other Business Services
Business Time Deposits (C.D.'s)
Home Sweep Account
Free Employee Accounts (with)
Direct Deposit of Payroll
Computerized Banking
Night Deposit
(Non-Cash) Courier Service
Combined Statements
Safe Deposit Boxes - BUSINESS MONEY MARKET Account
