Harborstone Credit Union: No One Takes Better Care of You

Member Benefits

Your membership has real value, because you're a part owner in Harborstone. The profits we make and the relationships we build are returned to you in better rates, lower fees, and a range of benefit options that are unmatched in the industry.

  • Avoiding Fees
  • Overdraft Protection
  • Financial Counseling
  • Reward Programs
  • Convenience Services

How to Avoid Fees

Here are some ways to avoid or minimize paying fees.


Avoid Overdraft Fees

  • Balance your checking register regularly. Immediately subtract any checks, debit card or electronic deductions, and other withdrawals from your check register.
  • Use Online Banking, Mobile Banking, or Text Banking to keep tabs on your account. In Online Banking, sign up for balance alerts to be sent to your email or mobile phone.
  • Your checking account is already set up for free overdraft protection from your savings, provided the necessary funds are available.
  • Sign up for extended overdraft protection and we will cover overdrafts for a small fee.
  • Be aware of holds for pending debit card transactions. If you use a debit card, stay alert to pending transactions that reduce your available balance.

Avoid ATM Fees

  • Use Harborstone-branded, surcharge-free ATMs for withdrawals and deposits. Most of our branch locations have ATMs on site, find Harborstone-branded ATM locations near you.
  • The CO-OP ATM network has nearly 30,000 surcharge-free ATM locations nationwide, 9,000+ which are deposit-taking, so you are never far from your money when you need it.
  • The Accel® ATM network offers surcharge-free ATM locations for participating terminal owners and card issuers. Participants agree not to charge one another's cardholders at their respective ATM locations while reserving the right to impose surcharges on cardholder transactions of nonparticipants.
  • The Armed Forces Financial Network (AFFN) is a domestic and overseas ATM network providing the U.S. military, defense, and civilian communities with ready access to their funds through ATMs located at or near U.S. military bases worldwide.
  • Get cash back at the store when you use your debit card and PIN for purchases.
  • Pay with your debit card to reduce the need for cash.
  • Avoid a lot of small withdrawals by getting more cash per trip to an ATM.

While other ATM owners may add surcharges, you can enjoy ATM-fee refunds with qualifying BreakFree Checking activity. Non-Harborstone ATM surcharge fees will be refunded monthly (excludes international ATMs, foreign ATMs, balance inquiries, and ATM deposit fees). Members not meeting the requirements will not earn non-Harborstone ATM-surcharge-fee refunds.


Avoid Overdraft-Transfer Fees

These are fees for overdrafting your checking account when there are not funds in your savings to cover the purchase at hand (applicable only if you have signed up for extended overdraft protection).

  • Authorize direct deposits to go to checking instead of savings. You are allowed only six auto transfers from your savings each month. By having direct deposits go directly to checking, you can save your six allowed auto transfers for emergency purposes, which could save you from an extended overdraft charge or merchant late fees if you do not use extended overdraft services.
  • Adjust checking and savings payroll deductions to reflect your normal spending habits.

Avoid Savings Account Fees

  • Limit automatic transfers from savings accounts to six per calendar month. If you exceed these limitations, your account may be subject to a fee or be closed.

Avoid Late Fees

  • Make loan payments with payroll deduction or an automatic transfer from your checking account.
  • Use Online Banking, Mobile Banking, or Telephone Banking to schedule loan payments. Electronic payments typically take two business days to process.
  • Use Online Banking or Telephone Banking to schedule credit card payments.
  • Set up recurring payments through Online Banking.
  • If you use the mail, always allow ample time for payments to reach us by the due date on your loan or credit card statement. Live check payments take four business days to process once they are received. Be sure to mail payments to the correct addresses.
  • If you need to get a bill paid the next day, Harborstone offers next-day expedited payments for a small fee.

Avoid Inactivity Fees

  • Dormant-account fees are assessed when there has been no activity in an account for one year. Dividend crediting, ACH deposits, and ACH withdrawals do not count as occurring activities.
  • You will receive a notice in your statement the month prior to a fee being assessed that account activity is needed. To ensure you don't miss important notifications such as these, please update your address, phone number, and email address with Harborstone Credit Union as they change.
Switching To A Harborstone Checking Account Is Easy.
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  • 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