Personal Checking

Your checking account is at the heart of your personal finances. That’s why Hendricks County Bank has created checking accounts that are designed to meet your specific needs and expectations. We offer several choices to ensure you have the options you need.

Personal Checking Accounts

Accounts	Performance Interest Checking	55+ Prestige Interest Checking	Direct Easy Interest Checking	Flat Out Free Checking	Money Market Account
Earns Interest?	Yes! Earn a higher rate on balances over $1,000 & competitive rate on balances below $1,000	Yes!	Yes!	No	Yes- 4 tiers of different rates (see the rate page for details)
Monthly Service Charge?	Only $10.00 if the daily balance falls below $1,000	No	No	No	$12.00 if daily balance falls below $1,000
Minimum Daily Balance?	Yes, only $1,000	No	No	No	Yes, only $1,000
Free HCBT & Allpoint ATMs?	Yes	Yes	Yes	Yes	Yes but limited to 6 transactions per month
Free Online & Mobile Banking?	Yes	Yes	Yes	Yes	Yes
Free MC Debit Card?	Yes	Yes	Yes	Yes	Yes
Electronic Statements?	Yes	Yes	Yes	Yes	Yes
Member Benefits Program?	Free box of HCBT logo checks every year!	Your first box of HCBT logo wallet checks is on us!	No	No	No
Additional Account Requirements	None	One signer on the account must be 55 years or older	Must have a direct deposit or automatic payment to be eligible	None	None

Performance Interest Checking

For our customers who keep a balance of $1,000 in their account daily and want to earn a higher rate of interest. Performance Interest Checking has no transaction limitations and no monthly service charge with balances over $1,000.00. We'll also give you a complimentary box of HCBT logo wallet checks every 12 months.

55+ Prestige Interest Checking

A perfect account for our customers over 55! Earn interest on your balances and don't worry about a service charge or transaction fees- there aren't any! And get your first box of HCBT logo wallet checks at no charge.

Direct Easy Interest Checking

This account earns interest, has no monthly service charge or transaction fees and is perfect for anyone who either has a direct deposit or pays an automatic payment.

Flat Out Free Checking

This account is free for everyone! There are no balance requirements, monthly service charges or transaction fees and a great option for anyone.

Click here for Rates

Make a Great Account Even Better by Adding:

HCBT MasterCard Debit Card

Convenience, control and worldwide acceptance

Debit Mastercard combines the convenience and benefits of Mastercard, with the control of spending your own money. Funds are debited directly from your checking account. With Mastercard, your debit card is accepted at over 33 million locations around the world. It can be used for cash withdrawals and balance inquiries at 1.9 million ATMs. Plus, you can use it to pay online as well as face-to-face transactions that are protected by Chip & PIN technology.

Green Reserve Checking

With the optional Green Reserve Checking plan, you don’t have to worry about costly fees if you accidently bounce a check. You’ll have automatic protection from a line of credit.

E-statements

Who needs more paperwork or wants to wait for the mail? We’ll send an email when your statement is ready and you just need to log into your HCBT Online Bank account to retrieve your statements. Each account's statement resides under the transaction page for the account. Just click the documents tab to see 2 years of statements.

Personal Checking