Electronic Banking

Automatic Transfers

This convenient service provides for a regularly scheduled transfer of funds from one of your deposit accounts to another deposit account or loan account.

  • Transfer any day of the month.
  • Saving money will be easier for you.
  • Easy way to make loan payments and eliminates late payment fees.
  • No fee for this service.

Direct Deposit

Enjoy the convenience of having your money deposited directly into your checking, savings or money market account.

  • Available for regularly scheduled payments, i.e., Social Security, military, VA benefits, retirement payments, dividends, etc.
  • Eliminate risk of lost, stolen or forged checks.
  • Provides peace of mind since your check will always be deposited even if you are out of town, sick or disabled.
  • Provides immediate availability of funds

There is no fee for this convenient service.  Contact your company's payroll clerk for a Direct Deposit of your payroll check.

Electronic Statements

eStatements are available through Our online banking service.  They are a time saving, convenient service.  Best of all--they are FREE.  After you receive your eStatement via email, you will have access to the statement for 60 days.  During that time you may print the statement or it can be saved to your computer.  Enrolling is easy.  Simply click the ELECTRONIC DOCUMENTS tab on the ACCOUNT LISTING page and follow the easy steps listed.  Please email us with any questions you may have.

Hometown Money Tree Card (ATM)

This convenient service allows you to manage your finances from anywhere in the world, 24 hours a day, 7 days a week wherever Star®, Quest® and Plus® symbols are displayed.

  • Get cash, make deposits, transfer funds and more.
  • Withdraw $200 each card per day, from 4 p.m., or the total available balance in your account, whichever is smaller.
  • No charge for the ATM card.
  • Lost or stolen cards can be deactivated through the Hometown Bank Hotline by calling 704-484-6200 during banking hours or 1-866-546-8273 during non-banking hours.  Calls to the toll free number will be promptly answered and recorded.
  • Lost or stolen cards can also be deactivated by the customer through our online banking service, FirstNet Banking.

CheckCard (Debit Card)

A Visa® CheckCard is as convenient as a credit card, but works like a check. It's your ATM card and allows you to access cash worldwide where the Star®,  Plus ® and Visa® symbols are displayed. Just think of it as your checkbook and ATM card rolled into one!

  • Use money from your checking account without writing a check wherever Visa® cards are accepted. 
  • An easier, faster, more convenient way to shop for everyday purchases.
  • Description of purchases is printed on your monthly checking account statement.
  • Lost or stolen cards can be deactivated through the Hometown Bank Hotline by calling 704-484-6200 during banking hours or 1-866-546-8273 during non-banking hours.  Calls to the toll free number will be promptly answered and recorded.
  • Lost or stolen cards can also de deactivated by the customer through our online banking service, FirstNet Banking. 

Your Hometown Bank Hotline

(704) 484-6300 - An easy call to make.
Long Distance 1-800-373-6301

Now, instead of going to the bank, let the bank come to you. Bank by phone from the comfort of home, any hour, any day. By using your Account Number, PIN (Personal Identification Number) and last four digits of your social security number you can bank by phone on your own time. It's fast, safe and super-convenient.

Features include the following:

  • All transactions for the past 30 days.
  • Year-to-date interest/prior year-to-date interest.
  • Change your pin number.
  • Find the date and time.
  • Transfer between any two customer accounts that are related. (example: John Doe savings to John Doe checking).
  • Access with your Account Number and PIN number (Personal Identification Number).
  • Lost or stolen ATM/CheckCards can be deactivated through by Hometown Bank Hotline.

For First-Time Usage of Your Hometown Bank Hotline call 704-484-6300 and follow the simple prompts to create a pin number in order to use the Hotline.

Enjoy the convenience of Open Enrollment (no application necessary) with access to the following:

  • Checking
  • Savings
  • CD
  • Loan

FirstNet Banking (Internet Banking)

A faster, easier and more convenient way to bank 24 hours a day, 7 days a week.  And, best of all, bank whenever it's convenient for you. By visiting our website at, you can enjoy the following features:

  • No fee for this convenient service.
  • Stop Payments may be entered online.
  • Check your account balances.
  • View your account activity for the previous thirty days.
  • Transfer funds between your eligible accounts.  Transfer after 4:00 will be recorded the next business day.
  • Alert messages can be established.
  • Reconcile accounts plus more.
  • Lost or stolen cards can be deactivated through FirstNet Banking.

Bill Payment

With our FirstNet Bill Payment service you can pay your bills whenever it's convenient for you, all at the click of your mouse.

  • Saves you time and money-eliminates checks, envelopes and postage.
  • An easy and convenient way to pay your bills.
  • Provides a convenient record of paid bills and pending bills.

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Online Banking


Online Banking