Harborstone Credit Union: No One Takes Better Care of You


Open an Account

Harborstone members get to choose from the best checking accounts around. BreakFree Checking is for members looking to earn a competitive rate while getting reimbursed for ATM transactions. Ultimate Value Checking is for members who are looking for more value than just a checking account with discounts on travel & merchandise. Teen Checking is exclusive for ages 13 to 17.

Overdraft Protection Options

Click here to see the terms and conditions that govern your checking accounts.

Order checks through your Online Banking account, 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

It's the perfect time for a BreakFree Checking account. When you meet the qualifications, a BreakFree Checking account earns a competitive annual percentage yield, one of the highest-earning rates in the nation. And you'll never pay another U.S. ATM surcharge fee. Ever.

Read the BreakFree Checking frequently asked questions.



  • Simply make 12 debit card/POS transactions of $3 or more each month.
  • Sign into Online Banking once per month. Online Banking must be registered to the primary account holder of the BreakFree Checking account.
  • Have one direct deposit or automatic ACH withdrawal per month.
  • Qualifying transactions must post to and clear by the last business day of the qualification month.
  • Non-Harborstone ATM surcharge fees will be refunded monthly when qualifications are met.

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 and fees may reduce earnings. Click here for current rates.

Dividend and ATM Reimbursement

  • Dividends and eligible ATM refunds are paid on the last business day of the month when qualifications are met.
  • Non-Harborstone ATM surcharge fees will be refunded monthly (excludes international ATMs, foreign ATM withdrawals, balance inquiries, and ATM deposit fees).
  • Members not meeting requirements will not earn non-Harborstone ATM surcharge fee refunds.


  • $25 minimum deposit to open.
  • Only one BreakFree Checking account allowed per Social Security number when opened on or after May 1, 2013.
  • $3 minimum debit/POS transaction is required to count as qualification.


Regular Savings account
No minimum balance
No monthly fee
Free Harborstone debit card
Free first box of checks
Free money orders
Free notary services
Free monthly newsletter
Free security resources
Overdraft Protection Options
Credit Union Checks (Cashier's Checks)
Money Transfer (wires)
Safe Deposit Boxes
BALANCE Financial Counseling
Benefits Plus (discount program)
Love My Credit Union Rewards (discount program)
Shared Branch Network
CO-OP ATM Network
Switching To A Harborstone Checking Account Is Easy.
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  • 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
(253) 584-2260 OR 1-800-523-3641
P.O. BOX 4207, TACOMA, WA 98438-0207