Consumer Loans	Business Loans
Consumer Deposits	Business Deposits
24-Hour Telebanking	Emailed Statements
On-Line Banking	Other Services

Consumer Loans

Henderson National Bank offers a full-array of consumer loans including auto loans, unsecured, home construction, and 1st and 2nd mortgages.

On first mortgages, the bank has a full product line.  We offer the following:

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Business Loans

Do you have an existing business you want to expand or looking to start a new business?  HNB is Henderson's small business bank.  With decisions made locally, we can meet your business needs, and we have the products to be your business partner.  Our product line includes the following:

• Term loans for Real Estate and Equipment
• Agriculture Loans
• Revolving Lines of Credit
• Construction Loans
• Letters of Credit
• SBA Loans

For more information, please contact Aaron Wood or Brian Owen.

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Consumer Deposits

Checking	Savings	Money Markets
CD	IRAs	Health Savings Accounts

Henderson National Bank offers a wide array of consumer deposit accounts.  Below are brief descriptions of some of those products.  For more information and other disclosures please contact Anita West.

Checking - HNB offers a totally free checking account.  No minimum balance with unlimited check writing.  Minimum of a $50 deposit to open.

The bank also has checking accounts that pay interest monthly and offer other features.  For balance and other requirements on these accounts please contact the bank.

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Savings -  HNB offers a savings account that offer very competitive rates.  To avoid a service charge the monthly minimum balance must be at least $100.  Interest is paid quarterly.

If you have a qualifying checking account, you could also be eligible for a higher rate on your HNB savings account.

HNB also offers Christmas Club Savings Accounts.

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Money Markets- For the consumer looking for a higher return, HNB offers a money market product that has very competitive rates.  The minimum to open is $2000, and there is no monthly maintenance fee.  Interest is paid monthly.  Check writing and preauthorized transfers are limited.

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CD- Have money to invest.  Why not try a Henderson National Bank CD?  HNB offers a wide array of CD terms that should fit everyone's needs.  Please call the bank to see what rate specials the bank is offering. 

Early withdrawal penalties do apply.

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IRAs- Looking to invest for your retirement, or do you want to roll your current retirement into an IRA CD.  HNB offers both Traditional and Roth IRAs.

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Health Savings Accounts- HNB now offers HSAs for people in high deductible health plans.  The bank offers a competitve rate with no transaction limits or fees!!

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Business Deposits

Are you tired of paying those high Account Analysis fees?  HNB now offers a business checking account with no minimum balance or monthly service fee.  This accounts allows up to 350 transactions per month with no charge, and at Henderson National Bank we only count your deposit as ONE transaction. 

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24-Hour Telebanking (1-800-761-9313)

Are you up late trying to balance your checkbook?  HNB offers 24-Hour Telebanking at 1-800-761-9313.  This service requires a 4-digit PIN number.  If you do not have a PIN number, please call the bank at 270-826-7700.

If you want the ability to transfer funds via telebanking, you will need to contact the bank to set this up.

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Emailed Statements

Want to receive your bank statement on the date it cuts, or do you prefer receiving your statement via email?  HNB offers you the opportunity to receive your Bank Statement via the email.

If you would like to sign up for Emailed Statements, please contact Stacie Watson.

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On-Line Banking

Account inquiry and transfer between your HNB accounts are now available.  Bill pay and presentment is available for all consumer checking accounts.

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Other Services