My Hometown Cash

It seems like the best hometowns always give more than they take -- Franklin is no exception. Like our namesake, our free My Hometown Cash checking gives so much back. Get a really high interest -- 1.50% Annual Percentage Yield* on balances up to $25,000.


My Hometown Cash even gives you refunds on your ATM fees -- that's in any town, coast to coast. All you have to do to earn these great rewards are a few things that make your banking life easier anyway. Feeling some hometown love?

  • 1.50% APY* paid on balances up to $25,000
  • 1.50% to 0.42% APY paid on balances over $25,000 depending on balance in account*
  • 0.05% APY* paid even if qualifications aren't met
  • Get up to $25 in refunds on ATM fees per month ($4.99 per single transaction)*
  • Rewards can be transferred to a free My Hometown Saver account
  • No minimum balance to earn your rewards
  • No monthly maintenance fee
  • Free online banking & bill pay
  • Free e-Statements
  • Free Visa® check card
  • Unlimited check writing
  • Low $100 minimum deposit to open

Easy, Penalty-free Qualifications:

We reward you in cash when you meet straightforward qualifications -- simple things that save you time and save us money. To earn your complete My Hometown Cash rewards, just do the following during each monthly qualification cycle:

  • Full-time resident of Kentucky or Tennessee
  • Have at least 12 check card purchases post and settle
  • Be enrolled and receive e-Statements
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle

That's it. Plus, your free My Hometown Cash checking account is always free -- there's no penalty fee if you don't qualify. Plus, you still earn our base interest rate. Then get back to a higher rate and your refunds on ATM fees the very next cycle.

*APY=Annual Percentage Yield. APYs accurate as of 6/1/2015. Rates may change after account is opened. Minimum to open is $100 for My Hometown Cash and $100 for My Hometown Saver. For My Hometown Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 1.50%; and (3) balances over $25,000 earn 0.15% interest rate on the portion of the balance over $25,000, resulting in 1.50% - 0.42% APY depending on the balance. If qualifications are not met on My Hometown Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle My Hometown Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised My Hometown Cash APY is based on compounding interest. Interest earned in My Hometown Cash is automatically transferred to My Hometown Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised My Hometown Cash APY. The My Hometown Saver APYs may be less than My Hometown Cash APYs. Transfers between accounts do not count as qualifying transactions. Limit two accounts per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.