$50.00 minimum opening deposit required. Primary account holder must meet age criteria. It is not the policy of Torrington Savings Bank to open a checking account for individuals under the age of 18, however, exceptions may be made on a case-by-case basis where a parent/legal guardian is a co-owner on the account. Please contact us for additional information. eStatements are required with this account. Accounts without eStatements will be charged a monthly fee of $5.00. Mobile Deposit available after account is open for 30 days. Account will be converted to Hometown Checking when primary account holder reaches age 30. Please view Common Fee Schedule and our Consumer Account Terms and Conditions for complete product disclosure.

Successful completion of our free Homebuyer education course is required to receive the $600 credit towards closing cost. This credit is for First Home Purchases only, and is subject to qualification, credit approval and closing. The discount will be taken at closing time. Maximum loan limit is $647,200.00. Down payments of 10-19% may require mortgage insurance. Less that 10% down requires mortgage insurance. 60-day commitment. Must be owner-occupied 1-2 family homes in Connecticut. Properties with underground oil storage tanks are not eligible. Rates reflect discount for Auto-Pay from a TSB account. Add 0.25% to rate without Auto-Pay. Application fees range from $504 to $531 on single-family homes or $604 to $631 on multi-family homes. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details.