Checking Options
For everyday money management
Our Harborstone checking accounts offer marketing-leading dividends with great member benefits. Not in one of our high-value accounts? Switching is easy.
Click here for more information about Harborstone's Extended Overdraft Privilege.
All Harborstone checking accounts offer:
- Free Online Banking giving you real-time access for making inquiries and transfers
- Free Online Bill Pay for everyone...anytime, anywhere
- 24-hour access to your account with free Money Express™ telephone banking
- The convenience of free cash machine access at all Harborstone ATMs
- Free VISA check card with point-of-sale access
- Freedom from overdraft worries through your Harborstone savings account
OPEN A CHECKING ACCOUNT ONLINE OR BY PHONE:
Just check Checking Accounts on the Product/Service E-Mail Request Form and submit it to us. Or call member service at (253) 584-2260 or 1-800-523-3641.
For BreakFree, your qualified dividend rate is paid on balances from one penny to $50,000.00 when account requirements are met. Your above-cap dividend rate is paid on balances from $50,000.01 and above when account requirements are met. U.S. ATM fee reimbursement and dividends will be paid on the last business day of the following month provided that the criteria of 12 VISAź debit and two Online Bill Pay transactions are met. Transactions must post during the business month. If account requirements are not met, members will still receive free Harborstone ATM withdrawals and 10 free withdrawals per month elsewhere ($1 per withdrawal thereafter) and will earn a reduced dividend rate on their entire balance.
Ultimate Value and BreakFree dividends are calculated daily and paid monthly. All checking accounts and VISA check card approvals must meet Harborstone Credit Union checking policies. Fees may reduce earnings. The credit union may offer other rates and terms at any time. VISA check card accesses your Harborstone checking account and is available to checking account holders only. All Point-of-Sale (POS) and VISA check card transactions have no Harborstone Credit Union fees. Harborstone Credit Union is not responsible for nominal POS transaction fees charged at merchant locations. Harborstone Credit Union is not responsible for surcharge fees charged by other fi nancial institutions.
Extended Overdraft Protection: Maintaining an account in good standing is defined as making regular deposits to sufficiently cover transactions; bringing account to a positive balance at least once every 15 days; and having no outstanding legal orders to the contrary. $25 fee is charged per transaction, created by check, in-person withdrawal, ATM withdrawal, or other electronic means. All checking accounts 31 days old or older in good standing are eligible. Extended Overdraft Protection is noncontractual and discretionary. It is not a Harborstone Credit Union obligation, and Harborstone may refuse to provide the service on any checking account at any time and from time to time. The member does not have a contractual right to overdraft protection, nor is it guaranteed by the extended overdraft policy.
Your Funds Are InsuredYour combined money market, certificate, savings, and checking accounts are federally insured to $500,000, including $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency, and an additional $250,000 by Excess Share Insurance, a private insurer. All IRA savings and IRA certificates are insured to $500,000, including $250,000 by the NCUA and $250,000 by ESI. |
