Mobile Menu Button
Routing #291973687
Call Today! 218.722.9242
Routing #291973687
Hours & Locations »
Online Banking
Login Here
Hours & LocationsOnline Banking
Login Here

Checking Services

Classic CheckingVirtual Checking
Monthly Account FeeNoneNone
Minimum BalanceNoneNone
Unlimited Check ClearingsYes4 free check clearings per month
$1 per clearing for any over 4
Debit Card PerksNo fee at Harbor Pointe owned ATM’s, Cash back at merchantsNo fee at Harbor Pointe owned ATM’s, Cash back at merchants
Earn Dividends1YesNo
 Online / Mobile BankingFreeFree
 Online Bill Pay / Zelle® 2$4.00 per monthFree
 Overdraft Protection Eligible3YesYes
Paper StatementsFree$5.00 per month if not signed up for eStatements
Download to Quicken (visit Education Center page)FreeFree


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:

  • Checking account with 10 debits or more per month


  • Checking account with 5 debits per month and a
    direct deposit to checking of $300 or more each


ATM withdrawals and internal transfers do not count for debits

Benefits of Superior Rewards:
  • .15% higher dividend rate paid on Money Market and IRA Savings Accounts
  • .50% higher dividend paid on Share Certificates*
  • .50% off consumer installment loan rate* (non-real estate)
  • Classic VISA® with Score Card Rewards**
  • No fee to purchase Harbor Pointe Visa Gift Cards (limit 2 per month)

*excludes special promotional rates on share certificates or loans
**upon credit approval


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!


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.


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.