Member Services

Member Services

We exist to provide our members with the products and services they need to live their lives while helping them avoid fees whenever possible. When you need to transfer funds to a loved one, we're here with our money-transfer options. When you need to cover an overlooked bill, we're here with overdraft protection. When someone asks you for a notarized document, you guessed it, we're here for that too.


Avoiding Fees

Wish you could avoid or minimize paying fees? Check out our tips and services that may help you do just that.

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Money Transfers

Moving funds between Harborstone accounts or to external accounts and individuals is easy with our Online and mobile app transfer options.

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Overdraft Protection

With a variety of overdraft and extended overdraft options, let us help you find the one that best fits your needs and budget.

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We understand that sometimes you need a break. That's why Harborstone gives you the option to Skip-A-Payment.

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Convenience Services

Securely store valuables, safely withdraw large sums, and make sure your documents are authorized with safe deposit boxes, credit union checks, notary services, and more.

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An overdraft occurs when you do not have enough money in your account to cover a transaction but Harborstone allows your payment to be made anyway. You can use funds you have in another Harborstone account and/or elect to go into the negative and repay the funds plus a fee for the service.

Forget that bill was on autopay? Miscalculate your available balance? With Harborstone's Take Five perk, we have your back if you overdraw your account by $5 or less, so you won't have to sweat the small mistakes.

You have three options when it comes to how and what overdrafts are covered:

Option 1: Savings-Only Overdraft Protection

This one automatically comes with your checking account.

With this option, overdrafts will be covered only if the amount needed to cover the overdraft is available in your savings.

Only six transfers or withdrawals are allowed out of your savings each month. This includes Online Banking transfers or transfers over the phone. After the sixth transfer or withdrawal, your overdrafts will not be authorized or paid.

Option 2: Covers automatic payments, Online Bill Payments, and checks

You have to opt in to this option. To do so, use the form below.

With this option, Harborstone will authorize and pay extended overdrafts for the following transactions:

ACH withdrawals and recurring debit transactions

Online Bill Pay transactions

Checks written from your checking account

Option 3: Covers all transactions

You have to opt in to this option. To do so, use the form below.

With this option, Harborstone will authorize and pay extended overdrafts for the following transactions:

ACH withdrawals and recurring debit transactions

Online Bill Pay transactions

Checks written from your checking account

ATM transactions

One-time debit card transactions

Request Overdraft Protection

If you want Harborstone to authorize and pay extended overdrafts on the transactions listed in Option 2 or 3, complete the form below for each checking account you would like to enroll. Please allow two business days for your opt-in request to be completed.

Overdraft Fees

Overdraft covered from savings: No fee

Overdraft of $5 or less, known as Take Five: No fee

Overdraft covered by Harborstone (Options 2 and 3): $32 each

Opt Into Extended Overdraft Protection

Overdrafts are determined based on the available balance in your checking account at the time a check or item is presented. Your available balance may be lower than your actual balance due to funds held for debit card transactions you have authorized and deposited checks held pursuant to our funds-availability policy. Account restrictions apply for the Take Five benefit.

Harborstone Credit Union limits overdraft fees we charge for overdrawing your account in a single day to six overdrafts, with a maximum total of $192 in overdraft fees per day. Harborstone will pay overdrafts at our discretion, which means we do not guarantee we will always authorize and pay any type of transaction. If funds are available in your savings account, we will first transfer funds from your savings account to pay items if the checking account balance is insufficient. Read the complete disclosure in the Overdraft Protection Section of our Membership & Account Agreement.


If you're a member in good standing, you can "skip" two payments per year on each qualifying vehicle loan or unsecured loan.

To skip your loan payment, log in to your Online Banking and scroll to the Skip-A-Payment section on the homepage. You can also complete a skip on the mobile app by signing in and tapping "More" and "Skip-A-Payment."



There is a $40 fee each time you skip a loan payment.

The fee must be in your account at the time the request is submitted and will be debited from your Harborstone deposit account.

Your current loan due date is moved forward one month from the present due date (i.e., you will owe your next payment the following month, as usual).

Requests must be received by Harborstone at least seven days prior to the loan due date and/or scheduled auto transfer date.

All accounts must be current, with no amount past due.

Some loans may require two business days for the request to be completed.

By participating in Harborstone's Skip-A-Payment program, you agree to and understand the following: Loan must be established, with at least three consecutive payments made from the new loan disbursement or since the last payment skipped to be eligible. Delinquent or bankruptcy accounts are not eligible. By skipping your loan payment for one month, you authorize Harborstone Credit Union to extend your final loan payment. Finance charges will continue to accrue on your unpaid balance. You authorize us to debit $40 per loan as a processing fee from your Harborstone checking or savings account. All accounts must be in good standing to take advantage of this offer. Not all loan types will qualify. First mortgage, credit card, home equity line of credit, personal line of credit, second mortgage, and business loans do not qualify. Harborstone Credit Union reserves the right to deny any Skip-A-Payment request. If you are not approved for the Skip-A-Payment, you will be notified in writing. Maximum of two Skip-A-Payments per year. The credit union reserves the right to determine if prior subsequent actions may disqualify your loan. The $40 fee may not be added to the loan. If you elected GAP or warranty coverage, the coverage will not be extended beyond the original maturity date. Skip-A-Payment offer expires December 31, 2020.


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Harborstone Credit Union

Copyright © 2020 Harborstone Credit Union
All rights reserved.

P.O. Box 4207, Tacoma, WA 98438-0207
Transit/ABA Routing Number: 325180870

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