Member FDIC




Home State Bank uses the daily balance method to calculate interest on your account and pays you interest compounded monthly at the interest rate of .05% regardless of balance, and credits it monthly to your account.

(A .05% interest rate calculates out to an Annual Percentage Yield of .05%). Interest is variable and can change with market conditions at any time at our discretion.

Interest begins to accrue on the business day you deposit noncash items (for example, checks).

If the account is closed before interest is credited you will not receive the accrued interest.

Maintain a daily balance of at least $1,000.00 every day in the statement cycle and there are no service fees. If the daily balance falls below $1,000.00 any day in the statement cycle a Monthly Service Fee of $8.50 will be charged.*

A BANEASY Visa debit card is available with this account for only $1.00 per month and a 60 cent per Activity Fee at ATMs.*

(no fee for point of sale purchases)

Any fees assessed to this account may reduce earnings.

Re-Order Checks

Any checking account with no activity for six (6) months and the balance falls below $100.00 on any day in the statement cycle, will be considered Dormant and be assessed a Dormant Fee of $3.00 for that statement cycle.*

* Monthly Service Fees, BANKEASY Visa Debit Card Fees, and Dormant Account Fees are subject to state and local sales taxes.

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All text and original graphics copyright © 2012 Home State Bank

Home State Bank, 202 3rd Ave, PO Box 79, Royal, IA 51357 | 712-933-5511 | 877-474-5511 | FAX: 712-933-2397
For questions, e-mail

Home State Bank NMLS #769771