Enjoy the security of knowing that you'll never overdraw your account with an automatic transfer of funds into your account. We offer our customers three types of protection.

Savings Transfer

Avoid overdraft service charges with our automatic Savings Transfers. Funds from your linked HomeTown Bank savings account will be transferred automatically when an overdraft occurs.

HomeTown Reserve

This credit line is attached to your checking account, so if you accidentally overdraw your account, HomeTown Reserve will automatically transfer funds into your account up to your credit limit to cover the difference.

  • No Annual Service Charge
  • No Transfer Service Charge
  • Convenient Automatic Funds Transfers
  • Simple Application Process

Home Equity Line of Credit

You may also link your HomeTown Bank Home Equity Line of Credit for the automatic transfers referenced above.