Thank you for taking the time to inquire about our accounts.  We are certain you will find our service charges and interest rates very competitive.

Hickory Point Bank and Trust has a checking account to fit every lifestyle.

Classic Checking
This is a classic or ‘back to basics’ checking account. You will not find any high service charges here!

Minimum opening balance: $100
Monthly statements

Classic Plus
This interest bearing checking account has everything to offer! Low service charges and good interest rates. The required opening balance is $500 and there is unlimited  check writing. For balances below $500 there is a $7.00 service charge each month.
However, the monthly service charge is waived if you have a regular, periodic direct deposit. Interest is paid on the daily ledger balance as follows:

Interest is figured on your daily balance and is credited monthly at statement time.

Ambassador Club Account
The ultimate checking account for those 50 and over. The minimum balance is only $250.
For balances below $250, there will be a $7.00 service charge each month. The tiered interest
rates are the same as our Classic Plus. The following items are included at no fee with the exception of $1.50 for money orders and $2.50 for cashiers checks;

• Money Orders
• Traveler’s Checks
• Direct Deposit
• Cashier’s Checks
• 200 personalized standard checks per year
• ATM / Debit Cards
• Notary Service
• Travel Opportunities

_{Hickory Point Bank and Trust reserves the right to change the interest rates on all accounts.}