Checking Accounts

Checking That Works as Hard as You

Choose the checking account that fits how you manage your money, whether you're looking for simplicity, cash back rewards or a higher return on your balance.
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RELIABLE CHECKING FOR REAL LIFE

Not everyone uses a checking account the same way. Some members want a straightforward account for everyday spending, while others want to earn cash back or put more of their balance to work.

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FREE Checking

Keep it simple. Enjoy a checking account with no monthly fees, no minimum balance requirements and no transaction or direct deposit requirements.

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PNW Cash Back Checking

Earn on everyday purchases. Receive cash back on eligible debit card purchases while enjoying a FREE checking account with straightforward qualification requirements.

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PNW Premier Checking

Earn more on your balance. Qualifying members can earn a competitive high yield on balances up to program limits while maintaining everyday access to their funds.

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Best Suited For

Those looking for a free checking account for basic needs

Those looking to be rewarded for using their debit card

Those with average balances of around $4,000
Free

✔

✔

✔
Annual Percentage Yield (APY)

N/A

N/A
  • 7.00% APY¹ on daily balances up to $4,000 and 0.05% on balances over $4,000, when qualifications are met
  • 0.05% APY¹ on entire balance, when qualifications are not met
Cash Back

N/A

1% on up to $3,000 in debit card transaction for up to $30 in cash back per month when qualifications are met

N/A
Monthly Qualifications

No qualifications.

1 direct deposit or ACH withdrawal
  • 1 direct deposit or ACH withdrawal
  • 12 debit card transactions of $3 or more
  • 1 online or mobile app account sign in by primary account holder

FREE Checking

Keep it simple. Enjoy a checking account with no monthly fees, no minimum balance requirements and no transaction or direct deposit requirements.

Learn More Open Today

Best Suited For

Those looking for a free checking account for basic needs

Free

✔

Annual Percentage Yield (APY)

N/A

Cash Back

N/A

Monthly Qualifications

No qualifications.

PNW Cash Back Checking

Earn on everyday purchases. Receive cash back on eligible debit card purchases while enjoying a FREE checking account with straightforward qualification requirements.

Learn More Open Today

Best Suited For

Those looking to be rewarded for using their debit card

Free

✔

Annual Percentage Yield (APY)

N/A

Cash Back

1% on up to $3,000 in debit card transaction for up to $30 in cash back per month when qualifications are met

Monthly Qualifications

1 direct deposit or ACH withdrawal

PNW Premier Checking

Earn more on your balance. Qualifying members can earn a competitive high yield on balances up to program limits while maintaining everyday access to their funds.

Learn More Open Today

Best Suited For

Those with average balances of around $4,000

Free

✔

Annual Percentage Yield (APY)

  • 7.00% APY¹ on daily balances up to $4,000 and 0.05% on balances over $4,000, when qualifications are met
  • 0.05% APY¹ on entire balance, when qualifications are not met

Cash Back

N/A

Monthly Qualifications

  • 1 direct deposit or ACH withdrawal
  • 12 debit card transactions of $3 or more
  • 1 online or mobile app account sign in by primary account holder


¹APY = Annual Percentage Yield

Digital Tools Across Every Account

All three accounts include Online Banking, Mobile Banking and convenient account access from virtually anywhere.

  • Bill Pay

    Pay bills, track due dates and manage recurring payments from one secure location within Online Banking.

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  • Card Management

    Take total control of your Harborstone cards with no-nonsense tools built to lock down security, cap your spending and handle your travel plans.

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  • Digital Banking

    Check your balance, move cash and manage your money right from your phone, wherever the day takes you.

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  • Digital Wallet

    Make secure purchases, tap to pay and keep your cards organized right on your phone without carrying extra bulk.

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  • eStatements

    Get your account statements online instantly to cut out the paper clutter and keep your records organized without the hassle.

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  • Online Banking Tutorials

    Whether you’re new to online banking or just exploring what’s possible, these demos walk through the essentials.

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  • Zelle®

    Send and receive cash instantly through your banking dashboard using just an email or phone number.

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Set Up Online Banking

Frequently Asked Questions

  • Share accounts at Harborstone Credit Union are insured up to $250,000 by the National Credit Union Administration (NCUA), a federal agency backed by the full faith and credit of the U.S. government.

    A member of a federally insured credit union has never lost one penny of insured savings.

  • You will be issued a debit card automatically when you open a checking account.

    If you already have a checking account but did not choose to receive a debit card previously, contact us to order it.

  • You can use your Harborstone credit or debit card internationally. However, please let us know that you will be traveling out of the country before you leave so that we do not flag your international charges as possible fraud and freeze your account. Harborstone may also charge an international transaction fee when you use your debit card at a merchant outside of the U.S. Visit harborstone.com/rates for current rates and fees.

    There are currency-conversion fees when you use your debit card in a foreign country. If you are using an international ATM, its owner has the right to charge additional fees.

    You may be able to avoid those fees by using ATMs that are part of the CO-OP ATM Network or the Armed Forces Financial Network, which offers an overseas ATM network for the U.S. military, defense, and civilian communities, with access to funds through ATMs located at or near U.S. military bases worldwide.

  • To meet the PNW Premier and Cash Back Online Banking requirement, please refer to our PNW Premier details or PNW Cash Back details to review all monthly requirements.

  • Our Teen Checking Account is designed for teens age 13 to 17 to teach responsibility and financial awareness while fostering the value of a community credit union.

    It includes up to 10 free withdrawals at any out-of-network ATM and only $1 per withdrawal after that.

    To qualify, the account holder must:

    • Be between the ages of 13 and 17.
    • Have a member over age of 18 as a joint account holder.
    • Have a valid government-issued identification.
    • Open a regular savings or minor savings account first.

    Visit harborstone.com/rates for current rates and fees.

Get Started Today

  • Find a Branch

    With branches across the Pacific Northwest, chances are we're in your neighborhood.

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  • Give Us a Call

    Talk to a local member service representative over the phone during the following hours:

    • Monday, Tuesday, Thursday, Friday: 8 a.m. - 6 p.m.
    • Wednesday: 9 a.m. - 6 p.m.
    • Saturday: 9 a.m. - 1 p.m.
    1-800-523-3641

  • Make an Appointment

    Save time by scheduling an appointment for a time that fits your schedule. No waiting, walk in and get to work.

    Make an Appointment

  • Open Online

    Ready to open yours today? Easily open online just a few minutes.

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