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 Pay / Zelle® 2 | $4.00 per month | Free |
| Overdraft Protection Eligible3 | Yes | Yes |
| eStatements | Free | Free |
| Paper Statements | Free | $5.00 per month if not signed up for eStatements |
| Download to Quicken (visit Education Center page) | Free | Free |
| Added Member Benefits with Superior Rewards |
You will earn even more valuable benefits when you become a Superior Rewards Member! 2 easy ways to qualify:
-or-
ATM withdrawals and internal transfers do not count for debits |
| Benefits of Superior Rewards: |
*excludes special promotional rates on share certificates or loans |
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 occasions 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!
Ready Reserve Loan: Add the convenience of of overdraft protection with our Ready Reserve Loan. Learn more
All Harbor Pointe checking accounts come with a debit card option. We offer instant issue debit cards, so when you open your new account you walk out with a debit card in hand ready to use.
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.
2 Must be set up with free Online Banking to use Bill Pay. Bill Pay is required to use Zelle® services.
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. We may not pay items under your overdraft protection if you do not maintain your account in good standing. If you default on your overdraft privilege your account is subject to collection or legal costs.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
