Business Checking & Savings

We Offer A Wide Range of Accounts To Meet Your Needs

At Home City Federal Savings Bank, we understand as a business owner your time is best spent managing your business.  That is why we offer a wide range of accounts to meet the needs of your ever changing business.  We also offer additional business services including online banking, ACH payroll, Merchant Solutions, Visa® Debit Card, Night Depository and Safe Deposit Boxes.  Switching from your current financial institution is easy with our New Account Transfer Kit.  For more information on any of the Business Account products and services Home City Federal offers or on how to swicth to Home City Federal, please stop in at one of our convenient locations or contact Don Lynam, EVP Commercial Loans, (937) 390-1159.

Commercial Loans

Small Business Checking

Designed for small business owners with moderate checking activity , our Small Business Checking Account is a great fit. With an opening deposit of $100, your business can start to experience the benefit of having a no minimum balance Small Business Checking Account.

  • Online Banking and Bill Pay
  • Home City Federal Visa Debit Card
  • No Minimum balance requirement
  • Under 150 items there is no per item charge per month
  • Over 150 items there is a $.30 charge per item/ACH debit paid, each ACH credit/deposit and deposited item

Special Checking Business Account

Our Special Checking Business Account is an analyzed account featuring an earnings credit which is applied to reduce or eliminate fees on the account. Open your account today with an opening deposit of $100.

  • Online Banking
  • Home City Federal Visa Debit Card
  • Monthly fee - $8.00
  • Each ACH debit/each item paid - $.14
  • Each ACH credit/each deposit - $.20
  • Each deposited item - $.10
  • Each deposit adjustment - $3.00
  • Each Canadian Check - $40.00

Business Interest Checking

Available to Sole Proprietorships and Nonprofit Organizations, our Business Interest Checking Account offers a competitive tiered interest rate to meet your business needs. A minimum daily balance of $500 is required to obtain the APY. Open your account today with an opening deposit of $500.

  • Online Banking and Bill Pay
  • Home City Federal Visa Debit Card
  • $12 fee monthly unless you maintain a minimum daily balance of $2,000 or minimum average daily balance of $2,500 for the month

Money Market Nonpersonal Account

Have the liquidity of a savings account with the ability of a checking account. With a tired interest rate, as your balance grows so does your interest rate. A minimum daily balance of $500 is required to obtain the APY. Open a Business Money Market today with an opening deposit of $2,500.

  • Online Banking
  • Variable tiered interest rate
  • Ability to write checks
  • Six pre-authorized transfers or withdrawals per statement cycle or month*
  • $12 fee if balance falls below $5,000 any day of monthly statement cycle

Business Prime Statement Savings

Earn interest on the funds your business does not need day to day with a Home City Federal Business Statement Savings account. With an opening deposit of $100, you can watch your business funds grow.

  • Online Banking
  • Combined statement available
  • Six pre-authorized transfers or withdrawals per statement cycle or month*
  • $1 fee if balance falls below $100 any day of the month

Certificate of Deposit

Does your business have extra funds to invest for a future project? Then Home City Federal has a wide range of Certificates of Deposit from 6 months to 10 years to meet your needs. With a minimum opening deposit of $500, you can have your business funds work for you!

Online Banking LoginIcon for: Online Banking

Lost or Stolen Visa Debit Card

To Report a Lost or Stolen Visa Debit Card call 1-866-421-2331.

Transaction Limitations

*Transfers from a Money Market or Savings Account to another account or to third parties are limited to a total of six transfers or withdrawals (checks paid, automatic transfers, preauthorized debits and telephone transfers) within a current statement cycle or month.

Understanding Your Business Deposit Accounts

Please see Home City Federal Savings Bank's Understanding Your Business Deposit Accounts for further business account details.