Find quick answers to the most common questions about HNB CAPITALS.
Online Banking
Click Sign On in the top navigation, then enter your account number and password. Not enrolled yet? Call 1-888-751-9000 to set up your credentials.
Call us at 1-888-751-9000 and a representative will verify your identity and reset your access. Available Mon–Fri 8am–9pm ET and Sat–Sun 9am–5pm ET.
Yes. We use 256-bit SSL encryption and multi-factor authentication, and monitor all sessions in real time for suspicious activity.
Yes. All your HNB CAPITALS accounts are accessible from a single Online Banking login.
Checking & Savings
No minimum balance required. 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 September 12, 2026. Rates are variable and subject to change.
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 account and routing numbers (found in Online Banking or on any check). Deposits typically begin within 1–2 pay cycles.
Loans & Mortgages
Begin pre-qualification online through Online Banking, or call our mortgage team at 1-888-751-9000.
We work with a wide range of credit profiles. A score of 640+ generally qualifies for standard rates — but we encourage everyone to apply.
Most applications get a decision within 24 hours, with funds deposited within 1–2 business days after approval.
Cards
Call our 24/7 card services line immediately at 1-888-751-9911. You can also lock your card instantly through Online Banking.
Sign in to Online Banking, find the transaction and click "Dispute this transaction," or call 1-888-751-9000. Disputes are typically resolved within 5–10 business days.