Personal Checking The Harvard State Bank

Freedom Checking Account

The Freedom Account is recommended for customers looking for a basic non-interest bearing account.

Minimum to open:

$25

Account Fees:

To avoid the $4.25 monthly maintenance fee you must meet one of the following:

Receive your statement electronically. Sign up for e-Statements
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

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

Classic Checking Account

The Classic Account is a non-interest bearing club checking account. This is recommended for customers who are looking for the specific benefits that a club account offers.

Minimum to open:

$100

Account Fees:

A maintenance fee of $8.00 will be imposed every statement cycle

Transaction Fees:

None

Pays Interest:

No

Online Banking & Bill Pay:

Available

Debit Card:

Available

Telephone Banking:

Available

Savers Club Book:

When you receive the Savers Club book, go to and enter the code found on the first page of the book. You’ll be asked to create a Username and Password

Online Savings:

Go to. First time users will register using Password: benefits. Create your Username and Password.

Rebates:

.Website ACCESS CODE: 2184.

RX Advantage:

Visit and enter the group number AFFNUNARX to print your card.

Vision Plan:

Locate the providers through the website at .

Senior Benefits (age 65 or better):

Senior Classic. A maintenance fee of $6.00 will be imposed every statement cycle

Additional Benefits:

$5.00 discount on first order of checks
No fee to purchase Cashier’s Checks or Money Orders
$10,000 Accidental Death or Dismemberment Insurance
License Sticker Renewal (at participating locations)
1st year safe deposit box (3 x 5 x 24) rental fee waived

Consumer Advantage Now Checking

The Advantage NOW (Negotiable Orders of Withdrawal) Checking account is an interest bearing account recommended for customers who would like to earn interest on their checking account, are able to maintain a higher balance in their account and who typically have less than 25 debits a month.

Minimum to open:

$500

Account Fees:

A maintenance fee of $8.00 will be imposed every statement cycle if the balance falls below $500 any day of the cycle. To avoid the maintenance fee you must meet one of the following:

Maintain a daily balance of $500.00 in the account

Transaction Fees:

25 free debits, $0.15 fee for each debit in excess of 25

Pays Interest:

Yes

Online Banking & Bill Pay:

Available

Debit Card:

Available

Telephone Banking:

Available

Elite Checking

You work hard and want your checking account to do the same! enjoy a competitive interest rate on your balances while maintaining all of the best 24/7 digital services.

Minimum to open:

$100

Account Fees:

$10 service fee can be waived by having at least ONE of the following:

Maintain a 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

Transaction Fees:

None

Pays Interest:

Yes.

Online Banking & Bill Pay:

Available

Debit Card:

Available

Telephone Banking:

Available

Statements:

Electronic statements available
Paper statements have a $5 fee