FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Our branches will be closed on Thursday, June 19 in observance of Juneteenth. Online and mobile banking will remain available.
Fake Texts and phone calls pretending to be from The Harvard State Bank are being received by Customers.
We will never ask for passwords or account info by text or phone. Stay safe- don’t click links!
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Minimum to open:
$25.00
Account Fees:
To avoid the $4.25 monthly maintenance fee you must meet one of the following:
Transaction Fees:
None
Pays Interest:
No
Online Banking & Bill Pay:
Available
Debit Card:
Available
Telephone Banking:
Available
Senior Benefits (age 65 or better):
Senior Freedom. No account maintenance fees will be imposed and check images are provided
Minimum to open:
$500.00
Account Fees:
A maintenance fee of $8.00 will be imposed every statement cycle if the balance falls below $500.00 any day of the cycle. To avoid the maintenance fee you must meet one of the following:
Transaction Fees:
25 free debits, $0.15 fee for each debit in excess of 25
Pays Interest:
Online Banking & Bill Pay:
Available
Debit Card:
Available
Telephone Banking:
Available
Minimum to open:
$100.00
Account Fees:
$10.00 service fee. Can be waived by having at least ONE of the following each month:
Transaction Fees:
None
Pays Interest:
Yes
24/7 Online Banking, Mobile Banking & Bill Pay:
Available
Debit Card:
Available
Telephone Banking:
Available
Statements:
Minimum to open:
$100.00
Account Fees:
$10 Service Fee each month
Transaction Fees:
None
Pays Interest:
No
Online Banking & Bill Pay:
Available
Debit Card:
Available
Checks:
Not available
Telephone Banking:
Available
| Consumer Accounts | Freedom Checking | New Beginnings Checking | Advantage Now | Elite Checking |
|---|---|---|---|---|
Consumer Accounts Minimum to Open | Freedom Checking $25 | New Beginnings Checking $100.00 | Advantage Now $500.00 | Elite Checking $100.00 |
Consumer Accounts Maintenance Fees | Freedom Checking A maintenance fee of $4.25 will be imposed every statement cycle. To avoid the maintenance fee you must meet one of the following: ~Receive your statement electronically ~Maintain a daily balance of $250.00 in the account ~Maintain an average daily balance of $2,500.00 in any combination of checking, savings, money market or certificate of deposit | New Beginnings Checking $10 service fee each month | Advantage Now A maintenance fee of $8.00 will be imposed every statement cycle if the balance falls below $500.00 any day of the cycle | Elite Checking $10 service fee can be waived by having at least ONE of the following each month: Daily balance of $750 in the account, maintain an average daily balance of $20,000 in any combination of checking, savings, money markets or certificates of deposit, have direct deposits of at least $1,500 per statement cycle |
Consumer Accounts Transaction Fees | Freedom Checking None | New Beginnings Checking None | Advantage Now 25 free debits, .15 fee for each debit in excess of 25 | Elite Checking None |
Consumer Accounts Pays Interest | Freedom Checking No | New Beginnings Checking No | Advantage Now Yes | Elite Checking Yes |
Consumer Accounts Online Banking & Bill Pay | Freedom Checking Available | New Beginnings Checking Available | Advantage Now Available | Elite Checking Available |
Consumer Accounts Debit Card | Freedom Checking Available | New Beginnings Checking Available | Advantage Now Available | Elite Checking Available |
Consumer Accounts Telephone Banking | Freedom Checking Available | New Beginnings Checking Available | Advantage Now Available | Elite Checking Available |
Consumer Accounts Senior Benefits (age 65 or better) | Freedom Checking No account maintenance fees will be imposed & check images are provided | |||
Consumer Accounts Additional Information | New Beginnings Checking Checks are not available |