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All Hamilton Bank offices will close today (6/12/18) at 2pm for an all employee meeting. We apologize for any inconvenience and thank you for your business.

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Open a Checking Account with Us TODAY!

Every new personal checking account includes:

  • Free MasterMoney debit card
  • Free online banking with bill pay
  • Free mobile banking with mobile deposit
  • Free return of check images
  • Free e-statements

50,000+ Surcharge Free ATMs for Your Banking Convenience

See what we have to offer:

  • Available through Allpoint, MoneyPass and M&T Bank Network
  • Coast-to-coast accessibility
  • Free downloadable mobile ATM locator app
  • Card Valet – download the mobile app and manage debit card usage, receive customized alerts, disable your card if lost or stolen, and more.

Checking Accounts Tailored to Your Needs

Hamilton Bank provides customers with a variety of personal checking account options.

Totally Free Checking

A free account for everyone!

  • No minimum balance
  • No monthly service charge
  • No per check charge

Advantage 50 Free Interest Checking

Free for customers 50 and over!

  • Competitive Interest
  • One free order of checks per year
  • No minimum balance
  • No monthly service charge
  • No per check charge

Low Minimum Interest Checking

Free with direct deposit during statement cycle!

  • Competitive Interest
  • No per check charge
  • Only $10/mo charge if balance falls below $500 (without direct deposit)

Prestige Checking

For those interested in higher interest!

  • Higher interest rate with a balance of $2,500 or more
  • Competitive interest if balance falls below $2,500
  • No per check charge
  • Only $6/mo charge if balance falls below $1,000

View all other fees.

View information about Overdraft Line of Credit.

Email us today or contact your nearest branch to set up an account.

Choose the Account that Fits Your Needs

Rates are accurate as of August 15, 2018

Account Min. Balance to Open APY* Interest Rate Min. Balance to Earn APY* Monthly Service Charge 1 Free Check Order per Year
Low Minimum 1 Checking $50.00 .02% .02% $.01 $10.00 No
Advantage 50 2 Checking $50.00 .02% .02% No No Yes
Prestige Checking $50.00 .05% .05% $2,500 3 $6.004 No
Totally Free Checking $50.00 N/A N/A N/A No No

*Annual Percentage Yield
These are Variable Rate Accounts – The rate may change after the account is opened. Accounts subject to fees could reduce the earnings on the account.
1 Low Minimum Interest Checking: $10.00 monthly service charge is waived if $500 minimum balance is maintained OR with a recurring direct deposit each statement cycle.
2 Advantage 50 Checking account requires at least 1 account owner to be age 50 or older.
3 The Prestige Checking is a tiered rate account – APY above is for balances $2,500.00 and above. For all balances below $2,500.00, the APY is .02% and Interest Rate is .02%
4 Monthly service charge applies only if the balance falls below $1,000.00 on the Prestige Checking

Personal Banking

Personal Banking

A Free Checking Account for Everyone!

With Hamilton Bank’s Totally Free Checking, it’s easy to find the right option for your checking account needs.

Totally Free Checking

Over 50,000 ATMs Surcharge Free

  • Money Pass

    Money Pass

  • Allpoint


  • M&T Bank

    M&T Bank

Find One of Our 50,000 ATMs

With multiple branches and access to over 50,000 surcharge-free ATMs, Hamilton Bank has you covered.

Locate an ATM near you