Home State Bank: Hometown professionals working together to build a stronger community. We serve the McHenry County area of Illinois.










Free Checking
A Free Checking Account is designed for those who want a no minimum balance checking account and want to be able to write an unlimited number of checks. For a low initial deposit of $100, this account entitles the holder to unlimited check writing privileges, cash station or debit card access, and 24-hour banking by phone services. The bank even handles the safekeeping of the canceled checks. If a copy of a check is ever needed, the bank provides three free copies per statement cycle and a $1 a copy thereafter.

College Checking
With all the same requirements and structure of Free Checking, students leaving for college or currently enrolled at a college may sign up for Home State Bank's College Checking and receive additional benefits including:

FREE ATM Withdrawals*
FREE ATM/Debit Card
FREE Checking & Electronic Statements
FREE First Box of Checks**
FREE Online Banking
FREE Bank By Phone

Therefore, before you pack your bags and cruise to college . . . let Home State Bank provide all the accounts and services you need!

*Home State Bank will not charge for ATM fees for cash withdrawals and rebate up to five foreign ATM fees per statement cycle. **Checks must be selected from Category Style D checks

Regular Personal Checking
With an opening balance of $100, a personal checking account provides unlimited free checking. If the balance falls below $300 at any time, a $6.00 monthly service fee is assessed for that cycle. If, however, an average balance of $1,000 has been maintained for the cycle, the service charge is waived. A monthly statement is provided with check images.

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