Harborstone Credit Union: No One Takes Better Care of You


Harborstone offers excellent and free checking account benefits, including a first box of printed checks, money orders, debit card, overdraft protection, and more!

Let us help you choose the best checking account for your needs:

  • BreakFree – Earn a competitive rate while getting reimbursed for ATM transactions.
  • Ultimate Value – Get more value, plus discounts on travel, services, and merchandise.
  • Teen – Designed exclusively for members aged 13 to 17.

Order checks at any one of our branch locations or by calling Member Services at (253) 584-2260.

  • Quick View
  • Break Free
  • Ultimate Value
  • Teen Checking

BreakFree Checking

When you open a BreakFree Checking account, ATM surcharge fees will be refunded monthly when qualifications are met and you'll earn a competitive annual percentage yield.




Cap and Rate

  • Earn a competitive annual percentage yield on balances up to $20,000.
  • All balances earn the base annual percentage yield.
  • Dividend rates are subject to change at any time.
  • Fees may reduce earnings.
  • BreakFree Checking dividends display on the monthly statement as two entries: "dividend credit" and "reward credit."

Click here for current rates.


Dividend and ATM Reimbursements/Refunds

  • Non-Harborstone ATM surcharge fees will be refunded monthly (excluding international ATMs, foreign ATM withdrawals, balance inquiries, and ATM deposit fees).
  • Dividends and eligible ATM refunds are paid on the last business day of each month if qualifications are met.
  • Members who do not meet requirements will not receive non-Harborstone ATM surcharge fee refunds.

See our BreakFree Checking truth-in-savings agreement.



  • Only one BreakFree Checking account allowed per Social Security number (for all accounts opened on or after May 1, 2013).
  • $25 minimum deposit to open.

Click here to read the full disclosure.

Freebies Easy Account Access Options Member Benefits
No Minimum Balances Online Banking CO-OP ATM Network FinanceWorks
No Monthly Fees Online Bill Pay Shared Branch Network Debit Purchase Rewards
Free Harborstone Debit Card Mobile Check Deposit Savings Accounts External Funds Transfer and Popmoney
Free First Box of Checks Mobile and Tablet Apps Overdraft Protection Options BALANCE Financial Counseling
Free Notary Services Mobile Text Banking Safe Deposit Boxes Benefits Plus
Free Monthly Newsletters Mobile Web Banking Credit Union Checks Love My Credit Union Rewards
Free Security Resources   Money Orders  
    Money Transfer  
Switching To A Harborstone Checking Account Is Easy.
Apply  |  Join
  • Verified by VISA
  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
  • Equal Housing Opportunity
  • Harborstone Credit Union is a BBB Accredited Credit Union in Lakewood, WA
(253) 584-2260 OR 1-800-523-3641
P.O. BOX 4207, TACOMA, WA 98438-0207