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  • Personal Checking
  • The Harvard State Bank is participating in the FDIC's Transaction Account Guarantee Program.  Under that program, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC up to $250,000.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.
  • At The Harvard State Bank we offer a variety of accounts to accommodate all generations.
  • All of our checking accounts include the following…
  • Free Online Banking and EZ Bill Pay
  • Free Info-line
  • Debit cards available
  • Teen Freedom Checking
  • You are never too young to start banking, this account is designed for teens 13-18.
  • $50.00 minimum opening deposit
  • No monthly maintenance fee
  • No minimum balance to maintain
  • Unlimited check writing
  • Free quarterly newsletter
  • Account must be jointly owned with a parent or guardian
  • Freedom Checking
  • Are you tired of being charged by a bank to use your money? The Freedom Checking gives you the Freedom to spend your money your way.
  • $100.00 minimum opening deposit
  • No minimum balance to maintain
  • Senior Freedom Checking
  • The Senior Freedom Checking is a completely free account designed exclusively for seniors 65 or better.
  • Our Senior Classic Checking offers all of this at a  discounted rate.
  • $100.00 minimum opening deposit
  • No minimum balance to maintain
  • Unlimited check writing
  • No monthly maintenance fees  
  • Advantage Now Checking
  • Are you looking to earn competitive interest on your checking? The Advantage Now Checking offers this and more.
  • $500.00 minimum opening deposit
  • $500.00 minimum  daily balance required  to avoid $8.00 monthly maintenance fee
  • 25 free debits each additional debit receives a $.15 charge
  • Tiered interest rates
  • * Fees could reduce the earnings on this account
  • Money Market
  • As a popular interest bearing account the Money Market allows all depositors immediate access to their funds.
  • $2500.00 minimum opening deposit
  • $2500.00 minimum daily balance required to avoid a $10.00 monthly maintenance fee
  • Tiered interest rates
  • Debits and transfers from this account are limited to 6 per month.
  • A debit fee of $5.00 will be charged for each debit in excess of 6 per month
  • * Fees could reduce the earnings on this account
  • Contact The Harvard State Bank at (815) 943-4400 for more details.
  • Contact Hebron Community Financial Center, A Division Of The Harvard State Bank at (815)648-2481 for more details.
  • Contact Community Bank of Oregon, A Division Of The Harvard State Bank at (815) 732-3111 for more details.
  • Contact Community Bank of Rockford, A Division Of The Harvard State Bank at (815) 397-3111 for more details.
  • FDIC
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