Frequently Asked Questions

Click Sign On in the top navigation. Enter your account number and password. If you haven't enrolled yet, contact your branch or call 1-888-751-9000 to get your credentials set up.

Call us at 1-888-751-9000 and a representative will verify your identity and reset your Online Banking access. We're available Mon to Fri 8am to 9pm ET and Sat to Sun 9am to 5pm ET.

Yes. HNB CAPITALS uses 256-bit SSL encryption and multi-factor authentication to protect your account. We monitor all sessions in real time for suspicious activity.

Yes. If you hold multiple HNB CAPITALS accounts, they are all accessible from a single Online Banking login under the same account number.

No. The HNB Everyday Checking account has no minimum balance requirement. The monthly fee is waived with a qualifying direct deposit of $500 or more per statement cycle.

The current rate is 4.75% APY as of May 21, 2026. Rates are variable and subject to change. See our rates page for the most up-to-date information.

Yes. HNB CAPITALS is a Member FDIC. All deposits are insured up to $250,000 per depositor, per ownership category.

Provide your employer with your HNB CAPITALS account number and routing number, which you can find in Online Banking or on any check. Direct deposits typically begin within 1 to 2 pay cycles.

You can begin the pre-qualification process online through Online Banking, or call our mortgage team at 1-888-751-9000. We'll review your credit, income, and assets to determine how much you qualify for.

We work with a wide range of credit profiles. Generally, a score of 640 or higher qualifies for our standard rates. We encourage all applicants to apply. Our loan officers work to find the best option available to you.

Most personal loan applications receive a decision within 24 hours. Once approved, funds are typically deposited into your HNB CAPITALS checking account within 1 to 2 business days.

Call our 24/7 card services line immediately at 1-888-751-9911. You can also lock your card instantly through Online Banking while you locate it.

Sign in to Online Banking, find the transaction in question, and click "Dispute this transaction." Alternatively, call us at 1-888-751-9000. Disputes are typically resolved within 5 to 10 business days.