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Hometown Blog2021-09-14T19:33:14-05:00

HomeTown Blog

Holiday Hours 2021

While we always want to be available to assist our customers, we are closed on select holidays to allow our employees to spend time with their friends and family. You will still have 24/7 access to your HomeTown Bank account on our mobile and online banking platforms, as well as being able to withdraw funds from over 25,000 surcharge-free ATMs with your HomeTown Bank debit card. [clear-line] Our offices will be closed on the following days: New Year's Day 2021 - Friday, January 1st Offices will be open for their Saturday hours on Saturday, January 2nd Martin Luther King, Jr. [...]

Modern Banking: Mobile Apps & Internet Banking

With bank lobbies closing left and right in the wake of the COVID-19 pandemic, remote banking resources are more important than ever. HomeTown Bank offers a wide range of services that are accessible from the comfort of your own home, to make banking a breeze. From the user-friendly mobile app to the detailed desktop website, almost all of your cash-free transactions can be conducted quickly and easily. Mobile App Real-time balance updates and transaction history: On the HomeTown Bank mobile app, you have access to all accounts associated with your name, whether that be personal, business or Star Savers. As [...]

5 Helpful Hints to Keep Your Holiday Budget

Holiday chaos is soon upon us, and it’s always easy to let holiday spirit take over the financial decisions. While no one wants to be a Scrooge this time of year, there are a few ways to keep festive spending to a minimum. Make a detailed list Whether you have 5 or 50 to buy for, you can manage your spending by creating a detailed list. Write down every single person you need to come up with a gift for, from your grandma to your garbage man, and keep it separate from your brainstorming list. Think of the ideal number [...]

Credit Reporting: More than Just a Number

For some, credit can be an intimidating topic. Others monitor their reports regularly, and do everything they can to gain just one more point on their credit score. Understanding exactly what your credit report says and will mean to you in the future is a pivotal piece of your overall financial well-being. What is actually on a credit report? Usually, all of your current and previous credit lines will be included on your report. Credit cards with or without balances, your car loan or lease, student loans, mortgage history. The account type, credit limit, outstanding balance, and date opened will [...]

Heading to College? Keep Banking Simple!

Moving accounts is a hassle, especially if you’re just going away for the semester. College is stressful enough, lessen the stress by keeping your banking where it’s at! Online & Mobile Banking Enjoy free online and mobile banking from anywhere! One of the biggest perks of modern banking is the ability to do it anywhere. Our app and desktop version of internet banking provides stability and convenience, especially to college students away from home for the first time. With the recent pandemic, it highlighted the best parts of modern technology. If you are unable to make it into the bank, [...]

2020 Stimulus Check: What It Is & What to Do with It

The times we live in are unprecedented and unpredictable, and that has an immediate impact on your financial well-being. In the year of COVID-19, mass unemployment, and stimulus payouts, it may be difficult to maintain your money management skills. While the prospect of additional income from the government is exciting, making a plan on how to best allocate your newly found funds can greatly improve you and your family’s future, post-pandemic. What It Is In a move as record breaking as COVID itself, the United States legislature passed a stimulus package valued over $2 trillion. This package is meant to [...]

Mortgage Refinancing: Four Reasons to Refinance

Refinancing to lower your interest rate Lowering the interest rate on a mortgage is the primary reason most homeowners refinance their home loan. Who wouldn’t want to lower their monthly mortgage payment if possible? To determine if the lower rate is enough to make a worthwhile difference for you, there are a few things we look at; first, how long do you plan on staying in this home? Second, what is the interest savings over the life of the loan? And finally, are those interest savings enough to offset the closing costs for the refinance? These are easy calculations for [...]

Holiday Hours 2020

While we always want to be available to assist our customers, we are closed on select holidays to allow our employees to spend time with their friends and family. You will still have 24/7 access to your HomeTown Bank account on our mobile and online banking platforms, as well as being able to withdraw funds from over 25,000 surcharge-free ATMs with your HomeTown Bank debit card. [clear-line] New Year's Day 2020 - Wednesday, January 1st Memorial Day - Monday, May 25th Independence Day - Saturday, July 4th Labor Day - Monday, September 7th Columbus Day - Monday, October 12th Thanksgiving [...]

Top Three Holiday Financial Tips & Our Holiday Open Houses

The holiday season is upon us! Are you financially ready for gift giving and family gatherings? Here are our top three tips and tricks to make financially smart decisions this holiday season. Budget and Set Your Limits Look at your current financial status with the addition of upcoming income and decide on a total amount that you feel comfortable spending on gifts. Next, on a piece of paper, write down a list of individuals who you are planning to give gifts to this year. Finally, break down your initial budget for gifts by allocating dollar amounts to each person on [...]

Financial Changes After Marriage

You're married! Now what?   Congratulations! Your significant other and yourself are going through an exciting life change together. The celebration is over and all the thank you cards have been written out. What’s next? Have you thought about your banking, retirement and insurance accounts? How about your health and dental insurance plans? Retirement plans? HomeTown Bank has put together some financial steps and tips to help seamlessly move your financial future-forward. Joint or Separate Accounts Discuss if you would like to combine your accounts and establish a joint account, or if you will be leaving your finances separate. If [...]

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