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  • NOTICE: UChoose Points Program is being discontinued.
    Points stop accruing on 5/1/17 and must be used by 6/30/17!

Frequently Asked Questions (FAQ) > Helpful Tools  > home

You're important to us, and we want your experience with Home Federal to be like no other.  Here you will find a wealth of questions and answers to help you become more informed.


What do I need to open an account?

Personal Account:

  • Social Security number
  • Valid picture identification including one of the following: Driver's License, State ID, Passport, Military ID, Alien ID card (for non-US persons), Passport and either Visa or I94 card
  • Physical and Mailing addresses
  • Current Telephone Numbers
  • Opening Deposit

Business Account:

  • Appropriate documentation stating Legal Name of Organinzation
  • Social Security number of persons executing account documentation.
  • EIN or TIN as appropriate
  • Valid picture identification including one of the following: Driver's License, State ID, Passport. Military ID
  • Physical and Mailing addresses
  • Current Telephone Numbers

Home Federal is required by Federal law to obtain verification of your identity and any co-applicant.

What is the routing number for my account?

A "routing number" is the nine-digit number assigned to each banking institution. Consumers are sometimes asked for this number when establishing automatic debits and credits on their account. The routing number for your Home Federal Account can be found at the bottom of your check:


Home Federal Routing Number: 291270050

How do I dispute unauthorized transactions on my account?

Contact your nearest banker for assistance.
Information you may be requested to provide:
Unauthorized Company Name
Date of Transaction

How long before my deposits are credited to my account?

Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 4:30 P.M. on a business day that we are open, we will consider that day to be the day of your deposit.  However, if you make a deposit after 4:30 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Other bank locations have later business day cut off times. 

Our policy is to make funds from your check deposits available to you on the first business day after the day we receive your deposit. Cash and electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw  them in cash and we will use the funds to pay checks that you have written. 

In some cases, we will not make all the funds you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit.  We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

UChoose Rewards

What is UChoose Rewards?

UChoose Rewards is Home Federal's reward program for using your MasterCard Debit Card! Our program has over 3,000 participating merchants and more options to redeem your new points!

How are points earned once I enroll in UChoose Rewards?

Once enrolled, for every $4 spent using your MasterCard Debit Card, you will earn 1 point. But….be sure to watch for special promotions!! One of the great benefits of this program is that there are monthly specials. Watch for them to earn more points by making purchases at participating merchants and watch for special Home Federal promotions! By taking part in promotions, you will be able to earn more points faster!

Do I earn UChoose points with Debit and Credit Transactions?

No, you only earn points on credit based transactions. These are transactions that you do not use your PIN for and generally would require your signature.

Is there a cost to UChoose Rewards?

No! This is absolutely free to our customers. They simply have to enroll into the program.

How do I earn points for the UChoose Rewards program?

All customers must enroll their new card at: (UChoose is not available on Interest Advantage Accounts.)

  • Click on Register
  • Enter the full 16 digit card number, Click Next
  • Complete the rest of the registration information
  • Click Register

Home Loans

Will the lowest interest rate always be the best deal?

While rate is important, you should look at the overall cost of your loan. This includes the annual percentage rate, loan fees and discount and origination points. Some lenders add origination points into their quoted points while other lenders add an origination point in addition to their quoted points.
The cost of the mortgage, however, cannot be your only criterion. You should also consider the financial strength of the lender; asking family and friends for referrals and interviewing prospective mortgage companies; whether the loan officer is committed to your best interest and will deliver what he/she promises; that the absolute lowest quoted rate may not be the best company for your mortgage business.

What documents must I provide when applying for a loan?

Be prepared to provide:

  • Verification of income, including your pay stub and tax returns for the previous two years.
  • Bank account numbers and details about your long-term debt, including credit cards, auto loans, child support, etc.
  • If you are self-employed, you may need to provide financial statements for your business. Lenders want detailed information. For example, the origin of your down payment will be queried.

NOTE: Be sure to inform your lender of any changes in your employment, salary, debt or marital status between the time you submit your application and the time you close your loan.

Should I make additional payments to my mortgage?

Pre-paying your mortgage shortens the term of your loan which will save you thousands of dollars in interest. Pre-paying your mortgage is an easy, risk-free investment. Even if you round your monthly payment up to the nearest $100, it will save you money over the long term. If your mortgage rate is 8.5% per year, that's what you'll earn on your pre-payment. Compare that return with what you'd earn in other comparably safe investments, such as a Certificate of Deposit (CD). Also, weigh the advantages of pre-paying your mortgage against paying off debt. If your credit card interest rate is 17%, it makes more sense to pay off this higher-interest debt rather than to pre-pay your 8.5% mortgage.

Will Home Federal sell my information?

Home Federal does not sell your information to third parties.

If I haven't found a property, can I still apply?


What is PMI (Private Mortgage Insurance)?

PMI or Private Mortgage Insurance is normally required when you buy a house with less than a 20% down payment. This insurance protection is provided by private mortgage-insurance companies. The cost of PMI increases as your down payment decreases. Mortgage insurance is a type of guarantee that helps protect lenders against the costs of foreclosure.

When will I receive my IRS Form 1098 Mortgage Interest Statement?

Your IRS Form 1098 Mortgage Interest Statement for use in filing your Annual IRS Tax Statement will be mailed during the last week of January. If your loan has been paid in full or the servicing transferred to another lender, you will receive an IRS Form 1098 by separate mailing.

Why is there only one Social Security Number on my annual loan statement?

The IRS Form 1098 is reported under the Social Security Number of the primary borrower. It is the borrower's responsibility to make sure the tax information is filed by the appropriate parties.

Personal Loans

How long does the approval process take for a consumer loan?

If made during normal business hours, a loan decision is usually available within 4 hours of the loan application.

What terms are available for an auto loan?

On a new vehicle purchase, terms up to 60 months are available. Used vehicle terms range from 24 to 48 months.

How do I find out the value of a vehicle?

You may find new and used vehicle values at or

How long is my loan approval valid?

Loan approvals are typically valid for 30 days from the date of application approval, provided there have been no changes to your financial situation.

How do I set up an automatic payment withdrawal to my loan?

Contact your Banker or call 1-888-489-5355 to obtain the necessary forms to set up automatic payments from your checking or savings account to your loan.

How do I obtain the balance or payoff amount of my loan?

You may contact your Banker or call 1-888-489-5355 to receive a balance or payoff on your loan.

Debit & ATM Cards

How do I change my PIN on my new debit card?

Change your PIN at any Home Federal ATM or by calling 1-800-992-3808.

What will be the process for me to get a new debit card when my card expires?

A new card will automatically be sent to you during the month it is expiring. You can continue to use your card until the end of the expiration month.

What number do I call for Lost/Stolen cards?


How do I activate my new Debit Card?

You can use your debit card and PIN at any ATM or you can call 1-800-992-3808 and listen carefully to the prompts.

Are there any limitations to my debit card use that I should know about?

There is a daily limit of $500 cash that may be withdrawn from any ATM using your debit card.

There is also a limit of $1500 per day in all other transactions using your card.

Personal e-Banking

How do I enroll in Internet Banking?

Choose the Home eBank Enrollment link from the site. Personal information such as account number and social security number are required.

What if I forget my Password or User ID?

Simply contact us at 1-888-489-5355

How do I enroll for e-Statements?

Personal Banking: Enroll upon establishing online banking access, or through the Options menu.

How far back can I view transaction information?

View transactions from the current statement cycle as well as the previous. Older transactions can be viewed by accessing the documents link for an e-Statement.

Business e-Banking

How do I enroll in Internet Banking?

Authorized Business Customers may enroll by contacting your Banker for proper information or Home Federal's Cash Management Department at 888-269-0170.

What if I forget my Password or User ID?

Simply contact us at 877-755-0455

How do I enroll for e-Statements?

Authorized Business Customers may enroll by contacting your Banker for proper information.

How far back can I view transaction information?

View transactions from the current statement cycle as well as the previous. Older transactions can be viewed for up to 2.5 years.


What is MasterCard® SecureCodeTM?

MasterCard SecureCode is a service to enhance your existing MasterCard debit card. A private code means added protection against unauthorized use of your card when you shop at participating online retailers.

I do not make internet transactions. Should I still enroll in Master SecureCode?

Yes. This is to protect our customer against unauthorized use on the internet. If the customer does not enroll, s/he is not protected.

Where do I go to enroll in MasterCard SecureCode?

Visit MasterCard SecureCode