HomeTown Bank, National Association offers a broad range of banking services, including personal and business checking accounts and various types of interest-bearing deposit accounts, including interest-bearing checking, money market, savings, IRA, and time certificates of deposits. The following types of loans are offered: consumer installment (including automobile), commercial (including real estate construction), residential real estate, second mortgages, home improvement, home equity, and letters of credit. The bank is a member of regional ATM networks and offers worldwide access services.