How To

How to order a Debit Card

The customer must come in and complete an ATM/POS/Debit Card Request Form. The customer will receive their Debit Card and PIN in the mail. This usually takes up to 10 business days. The Debit Card and PIN are mailed in separate envelopes and on different days for security reasons. If the customer does not like the PIN that was mailed to them, they may change it to one of their choosing by contacting the Bank.
SHAZAM ATMs: Your SHAZAM ATM / Debit Card can be used at any ATM that features the SHAZAM logo. You can search for a SHAZAM ATM in a specific area using the SHAZAM ATM Locator.
Non-SHAZAM ATMS: When an ATM does not feature the SHAZAM logo, look for the logo of one of the two international ATM networks: Cirrus® or Plus®.

Note: The availability of ATM machines which accept deposits is very limited.

ATM Fees: When you use an ATM not owned by The Harvard State Bank, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer or withdrawal). 

How to report a lost or stolen Debit Card

Call: 815-943-4400

After hours call: 800-383-8000

How to set up Direct Deposit

Direct Deposit is a safe and easy way to have funds deposited directly into your account at The Harvard State Bank. 
Quick - your money is electronically transferred into your account and available to use instantly once the transfer is complete. With Direct Deposit your money is ready to use on the day of transfer.
Reliable - it puts money in your account on time, every time. There's no check hold delay, nothing to get lost.
Convenient - there is no need to arrange for a special deposit or trip to the bank . . . a real convenience when you are away from home on vacation or business.
Secure - worries about lost, stolen or misplaced checks are a thing of the past. With the electronic trail that Direct Deposits leave, payments are easier to track than paper checks.

Contact the organization that issues the check for their Direct Deposit form. Fill it out completely using The Harvard State Bank's routing number (071905082) and your account number. If you need assistance filling out the form, stop by any of our offices.

For Direct Deposit of your Social Security payments, you can contact the Social Security Administration directly at
800-772-1213 or go to