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Overdraft Protection
It happens to the best of us—you forget about that bill on autopay, miscalculate your available balance, or maybe just forget to make that transfer to your checking account before getting that cup of coffee. Your account is barely negative, and you worry about getting charged fees for such a small mistake.

Accidents happen! We understand. That’s why we won’t charge you for overdrawing your account by
$5 or less when you’re opted in to our extended overdraft protection. Learn more about your extended overdraft options and how you can avoid a big fee for such a small mistake.
Checking & Money Market
At Harborstone, we’re always looking for ways to better serve our membership. Because we’re a member-owned, not-for-profit financial institution, we want to make sure that more people are able to benefit from our products and services. As a result, we have a few changes coming soon to our BreakFree Checking account.

Those who qualify for the BreakFree Checking account perks have been receiving 1.82% APY, but starting March 1, the new rate will be
4.00% APY on balances up to $4,000. Remember, when you qualify, you also get up to $10 in non-Harborstone ATM fees reimbursed each month. Harborstone branches and ATMs, CO-OP ATMs, and Shared Branches are always free of charge.

Also, with our new Take Five perk, you will not be charged an overdraft fee if you overdraw your account by
$5 or less and are opted in to extended overdraft protection!

Learn more about the BreakFree Checking account.
Money Management
Harborstone has a new, convenient tool that allows you to keep track of all of your accounts in one easy location! Money Management, available in Online Banking and on the mobile app, is a free tool to all our members. It helps you gain a clear picture of your complete financial situation because you can connect all your current accounts—including checking, savings, all types of loans, credit cards, investments, retirement accounts, and more—from most financial institutions.

With Money Management, you a
re able to:
  • Import account data from over 50,000 financial institutions
  • Create budgets and analyze spending
  • Set up and receive a variety of real-time alerts
  • And more!
Check it out in Online Banking under the Manage Money tab or on the mobile app under “More.”
Loans & Credit Cards
For some, tax time can be somewhat exciting. It’s almost like having a savings account that you are able to cash out once a year and use for much-needed expenses. Sometimes, though, you may need that money sooner than the IRS can get it to you. In these cases, you may be referred to a refund-anticipation loan—a product that may sound beneficial but could cost much more than you realize.

Refund-anticipation loans are funds lent to customers who expect to get money back during tax time. Then, when a customer’s tax refund is received, the lender takes the amount borrowed, plus interest and fees. The Balance states that the average taxpayer who takes out a refund-anticipation loan ends up paying
hundreds of dollars from the refund in fees—on top of an interest rate of a few hundred percent.

Instead of a refund-anticipation loan, ask Harborstone about how we can help. If your lending need is urgent, a short-term or signature loan may be in your best interest. Apply online for a signature loan anytime. Give us a call or visit our nearest branch to discuss your options.

Each year around tax time, Harborstone hosts an annual “shred day” where members are able to safely and securely destroy sensitive documents at no cost. Not only can this help prevent identity theft, but it also helps keep our landfills clean. At each event, we will collect nonperishable canned-food items to donate to food banks. We will also accept pet food donations for local animal shelters.

Mark your calendar! This year’s shred events have been scheduled. Stop by on:

Saturday, April 21, from 10 a.m. to 1 p.m. at the Center Street or Issaquah branch (please note that the truck at the Issaquah branch will be located in the Dick’s Sporting Goods parking lot in the Issaquah Highlands).

up to three grocery bags of sensitive documents to be shredded, free of charge! Please keep in mind that if the shred truck fills early, the event will end prior to 1 p.m. Be sure to arrive early to have your documents shredded!
Business Loans & Credit Cards
As a full-service financial institution, Harborstone is committed to meeting the needs of our business members. Because of this, we proudly offer different financing options for a variety of businesses to help you manage things more easily and continue to grow:
  • Business line of credit—a revolving credit line to supplement business cash flow, readily available when you need it.
  • Commercial real estate loan—get that office or manufacturing space you’ve been eyeing or refinance what you have!
  • Equipment loan—sometimes it doesn't make sense to purchase expensive commercial equipment upfront. Instead, spread the cost of your equipment out over the life of an equipment loan.
  • Small Business Administration loan—get the funds you need for major asset purchases, like land and buildings.
Harborstone can help you find which option is best for you and your business needs. For more information, please give us a call at (253) 583-9727 or 1-800-634-6506. You can also contact someone from our business team directly.