High-Yield Checking Account

To view your PNW Checking Rewards Tracker on your Harborstone Mobile Banking app, simply go to the "More" menu located on the main navigation bar.

When viewing the "More" menu, the PNW Rewards Tracker will be located in the top left-hand corner.

With a PNW Premier checking account, up to $10 in ATM surcharge fees will be refunded monthly and you'll earn a competitive annual percentage yield when qualifications are met.

Qualifications

Sign in to Online Banking at least once per month. Be sure to register for Online Banking as a primary PNW Premier checking account holder.

Set up at least one direct deposit or automatic ACH withdrawal, such as a bill payment, per month.

Make a minimum of 12 debit card transactions of $3 or more each month. These must post to and clear your account by the last business day of each month.

To make tracking your rewards easier, you have a PNW Premier Tracker tool that allows you to see exactly where you are each month.

To access this tool:

1. Log in to the Harborstone Mobile App (this feature is also available in your Online Banking). 
2. Tap More at the bottom of your screen. 
3. Select PNW Premier.

A green checkmark means that you have met that qualification. No checkmark means you still need to complete that task. You can also see last month's reward amount.

Cap and Rate Earn a competitive annual percentage yield on balances up to $4,000. All balances earn the base annual percentage yield. Dividend rates are subject to change at any time. Fees may reduce earnings. PNW Premier dividends display on the monthly statement as two entries: "dividend credit" and "reward credit". Dividend and ATM Reimbursements/Refunds

When qualifications are met: ATM surcharge fees will be refunded up to $10 for all non-Harborstone, non-CO-OP ATMs, with the exception of 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. When qualifications are not met: Members will not receive the higher rewards rate, but they will still receive the base rate on their entire balance. Members will not receive non-Harborstone, non-CO-OP ATM surcharge-fee refunds

Requirements and Limitations $25 minimum deposit to open. Only one PNW Premier account allowed per Social Security number. Harborstone Credit Union is not responsible for surcharge fees assessed by ATM owners.

When logged in to your desktop Online Banking, your PNW Checking Rewards Tracker is available on the right-hand side of your screen. If you're not seeing your PNW Checking Rewards Tracker, select "Customize Home Screen."

Toggle on the PNW Checking Rewards Tracker. You can also favorite it by selecting the heart icon. This will ensure your tracker remains open whenever you log into desktop Online Banking.

Members who do not meet the monthly PNW Premier qualification requirements will not earn ATM surcharge fee refunds at ATMs that do not belong to Harborstone. All balances will earn only the base annual percentage yield.

Your account resets every month, giving you another opportunity to meet the qualification requirements.

Learn more about PNW Premier.

The PNW Checking Rewards Tracker is a tool within Online Banking that allows you to review progress on your PNW Premier or PNW Cash Back checking account. Monitor whether you've met the requirements, and track your earnings with information that's updated regularly.

To qualify for the highest annual percentage yield for your PNW Premier account, you must:

1. Make at least one direct deposit or automatic ACH withdrawal per month. 

2. Make a minimum of 12 debit card transactions of $3 or more per month. These must post and clear your account by the last business day of the month. 

3. Sign in at least once to your account online or through the Harborstone app. Register for Online Banking as a primary account holder.

You can often enroll in direct deposit for your payroll through your employer, Social Security benefits, military benefits, etc.

An ACH withdrawal can be a bill payment using Harborstone Bill Pay or an automatic withdrawal from another source, such as an insurance or utility bill.

You must use your account number and routing number for it to count as an ACH transaction. If you provide your debit card number for a payment, it will count toward the requirement of 12 debit card transactions but not as an ACH withdrawal. Zelle and External Funds Transfers do not count as ACH transactions.