Personal Finance Solutions
Checking, savings, and digital tools designed for your everyday needs
Compare Checking Accounts
| Features |
Essential Checking |
Plus Checking Popular |
Premium Checking |
| Monthly Fee | $0 | $12 (waived with $1,500 balance) | $25 (waived with $5,000 balance) |
| Minimum Opening Deposit | $25 | $100 | $500 |
| ATM Fee Reimbursement | None | Up to $10/month | Unlimited |
| Interest Earned | — | 0.50% APY | 1.00% APY |
| Free Checks | — | ✓ | ✓ |
| Digital Wallet | ✓ Apple Pay, Google Pay | ✓ Apple Pay, Google Pay | ✓ All wallets + Samsung Pay |
| | | |
Savings Accounts
🌿 High-Yield Savings
4.25% APY
- ✓ No minimum balance
- ✓ No monthly fees
- ✓ Easy transfers
🎯 Goal-Based Savings
3.75% APY
- ✓ Set multiple goals
- ✓ Auto-transfer rules
- ✓ Progress tracking
👶 Youth Savings
5.00% APY
- ✓ Ages 0-17
- ✓ Parental controls
- ✓ Financial education
Loans & Mortgages
Competitive rates and flexible terms to make your dreams reality
🏠 Mortgage Calculator
Estimated Monthly Payment
$2,086
Principal & Interest only
Mortgage Options
🏡 First-Time Homebuyer
Special programs with as little as 3% down payment and down payment assistance available.
🏛️ FHA Loans
Government-backed loans with flexible credit requirements and low down payments.
🎖️ VA Loans
Exclusive benefits for veterans and active military with zero down payment required.
Business Finance
Solutions to start, manage, and grow your business
💼
Business Checking
Choose from Essential, Professional, or Enterprise accounts with features that scale with you.
💳
Merchant Services
Accept payments anywhere with competitive processing rates and next-day funding.
📊
Payroll Solutions
Automated payroll processing, tax filing, and HR tools in one integrated platform.
Security & Support
Your protection is our priority. We are here to help 24/7.
Finance-Grade Security Features
🔐
256-Bit Encryption
Military-grade encryption protects all data transmissions.
🛡️
Fraud Monitoring
AI-powered systems monitor transactions 24/7.
📱
Two-Factor Authentication
Add an extra layer of security with SMS or authenticator apps.
🔔
Real-Time Alerts
Instant notifications for all account activity.
Frequently Asked Questions
How do I reset my password?
▼
Click "Forgot Password" on the login screen, enter your email, and follow the instructions sent to your inbox.
What are the daily transfer limits?
▼
Internal transfers: $25,000. External transfers: $10,000. Wire transfers: $100,000.
How do I report a lost or stolen card?
▼
Immediately email contactus@hmtbonline.com or freeze your card instantly through the mobile app.
What is the FDIC insurance limit?
▼
All HMT Finance deposits are insured up to $250,000 per depositor, per account ownership category.
How do I set up direct deposit?
▼
Provide your employer with your HMT Finance account number and routing number. You can find these in the mobile app under Account Details.
24/7 Customer Support
📧
contactus@hmtbonline.com
Financial News & Insights
Stay informed with the latest market updates and financial insights
📈
Market Update
July 1, 2026
Global Markets Rally on Strong Economic Data
Major indices reach new highs as inflation concerns ease and corporate earnings exceed expectations across all sectors.
🏦
Banking
June 28, 2026
HMT Finance Launches Green Investment Fund
New sustainable investment options allow customers to invest in environmentally responsible companies with competitive returns.
💳
Technology
June 25, 2026
Contactless Payment Limit Raised to £100
UK regulators approve increased contactless limits, making everyday transactions even more convenient for consumers.
🏠
Real Estate
June 22, 2026
Housing Market Shows Signs of Stabilization
After months of volatility, home prices are beginning to stabilize in major metropolitan areas across the country.
💰
Savings
June 18, 2026
Federal Reserve Signals Potential Rate Cuts
Analysts predict interest rate reductions in the coming quarters, which could benefit savers and borrowers alike.
🌍
Global
June 15, 2026
Digital Currency Adoption Accelerates in Europe
Central banks across Europe are exploring digital currency options to modernize payment systems and increase financial inclusion.
Contact Us
We are here to help. Reach out to us anytime.