Checking Accounts

We have a variety of checking accounts to meet your needs. Featured below are our three most popular.


Feature/Benefit Infinity Checking E-Checking Super Now Checking
Recommended for... You keep your account in good standing and have direct deposit. You are a young adult or a customer who is comfortable with mobile banking. You keep your account in good standing, but do not have direct deposit.
Balance required to open account $0.00 $0.00 $2,500
FDIC Insured Yes Yes Yes
Indentity Theft Insurance Yes
Monthly Maintenance Fee $0.00 with direct deposit
$10.00 without direct deposit
$0.00 upon initiation of an E-Statement $3.00 without initiation of an E-Statement $0.00 for average monthly balance > $2,500
$7.50 for average monthly balance < $2,500
Earns Interest * Yes Yes
Visa® Debit Card or ATM Card Yes Yes Yes
Access to over 90,000 ATMs Yes Yes Yes
First Check Order Free Yes
Unlimited Check Writing Yes 5 free checks each statement cycle $0.25 each additional (Waived with initiation of an E-Statement) Yes
Unlimited HVB ATM usage Yes Yes Yes
Five free ATM withdrawals at non-HVB ATMs per month Yes
Online Banking Yes Yes Yes
Electronic Statements Yes Yes Yes
Online Bill Payments Yes Yes Yes
FI Transfer - the ability to transfer funds online to other financial institutions (Subject to Approval) Yes Yes Yes
Person to Person Payments Yes Yes Yes
Mobile Banking Yes Yes Yes
24-Hour Telephone Banking Yes Yes Yes
Optional Overdraft Reserve - a free sweep from another HVB account in overdraft situations Yes Yes Yes
Optional Cash on Demand Overdraft Protection upon credit approval Yes Yes Yes

*Fees charged against the account may reduce customer earnings. Please ask us for our brochure, "Your Deposit Account," for additional details concerning these types of accounts. *The rate may change after the account is opened.


Unsure if one of the accounts above is right for you?

Please contact us to learn more about additional checking accounts we offer.


Open an Account


Overdraft Protection

Mistakes happen. We offer two options to assist in an overdraft situation. 

1.) Overdraft Reserve is an automatic transfer from another Hocking Valley Bank account to cover an overdraft. There is no charge for this service. Eligible accounts that you may use for your transfer include all deposit accounts with the exception of CDs and IRAs.


2.) Cash on Demand is a line of credit that is linked to a deposit account from which funds are advanced to avoid an overdraft situation. An application and credit report are required. A certified account specialist can assist you in determining the line of credit amount that is right for you. For details about the service, including fee and payment information, please view our COD Account Agreement .