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Routing #291973687

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Routing #291973687
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Checking Services

Classic Checking Virtual Checking
Monthly Account Fee None None
Minimum Balance None None
Unlimited Check Clearings  Yes 4 free check clearings per month
$1 per clearing for any over 4
Debit Card Perks No fee at Harbor Pointe owned ATM’s, Cash back at merchants No fee at Harbor Pointe owned ATM’s, Cash back at merchants
Earn Dividends1  Yes  No
 Online / Mobile Banking  Free  Free
 Online Bill Pay2 $4.00 per month  Free
 Overdraft Protection Eligible3  Yes  Yes
 eStatements  Free  Free (required with Virtual Checking)
Download to Quicken (guide) Free Free


Added Member Benefits with Superior Rewards

You will earn even more valuable benefits when you become a Superior Rewards Member!

Have one of the following bundles of credit union services:

  • Active checking account
  • Active debit card
  • Active Harbor Pointe Credit Union  Credit Card
  • Any active loan or Overdraft Line of Credit


  • Active checking account
  • Active debit card
  • Money Market with at least $2,500.00 balance
Benefits of Superior Rewards:
  •  .50% more dividends paid on Share Certificates
  • Free Check printing (limit one free box of checks per year
  • No fee to purchase Harbor Pointe Visa Gift Cards (limit 2 per month)


Virtual Checking is a paperless checking account, use a debit card for all transactions, use free online bill pay service to pay bills, set up payroll direct deposit and eStatements too. We know there are still ocassions where a paper check may be needed so we allow 4 free paper check clearing per month with this account. No minimum balance required and no monthly fee. Enjoy the convenience of free download to Quicken within our online banking service as well! Make the switch to a Virtual Checking account today!


All Harbor Pointe checking accounts come with a debit card option.


Harbor Pointe offers check printing services, prices dependent on check style and quantity.


1 The dividend rate for classic checking is variable and is subject to change at any time. See dividend rates page for current rate.


Must be set up with free Online Banking to use Bill Pay.


3 Overdraft Protection is subject to approval. Accounts will be charged standard overdraft fee for handling each check, ACH, Point of Sale or ATM withdrawal. Refer to fee schedule for overdraft fee rate. Overdraft balances must be repaid within 30 days. We may not pay items under your overdraft protection if you do not maintain your account in good standing. If you default on you overdraft privilege your account is subject to collection or legal costs.