Protection Plus

Protection Plus is our added checking account coverage. It covers you when funds are not available if you write a check, use your VISA Debit Card, or access your checking at the ATM or retailer. When this happens, money will automatically transfer from your savings account to cover the transaction. If funds are available in your account, we can do this up to 6 times according to regulation. After that the transaction will be declined unless you have Protection Plus.

There is no fee to have this protection on your account. The protection starts once you call us or submit the online form - just click the "Get Protected" tab above. Make the choice today.

If you:

• Have Protection:
  • Harborstone will clear the ATM and one-time debit transactions you make when you do not have sufficient funds in the account at the time.
  • Your card will not be denied at the register or point of purchase.
  • You agree to pay a $30 per-transaction fee each cleared transaction when your account is overdrawn. (If your account is never overdrawn, you never pay EOD fees.)
     
• Have No Protection:
  • If you attempt to make a transaction and there is not sufficient money in your account to cover the purchase, your card will be denied at the register or point of purchase.
  • The denied transaction will not incur any EOD fees.

To change your Protection status, call (253) 584-2260 or 1-800-523-3641, or stop by a branch today.