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personal banking with harford

Personal / Checking
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Checking Accounts

Personal Checking Accounts and Services

Community Checking Options

  Premier
Plus
Premier Senior Elite
Direct Deposit
Free Mobile Banking, just download our app Check Mark Check Mark Check Mark Check Mark
Free Internet Banking Check Mark Check Mark Check Mark Check Mark
Free Bill Pay Check Mark Check Mark Check Mark Check Mark
E-Statements available Check Mark Check Mark Check Mark Check Mark
Visa® Debit Card Check Mark Check Mark Check Mark Check Mark
Free Foreign ATM Transactions
2 per statement cycle
    Check Mark Check Mark
Free Foreign ATM Transactions
4 per statement cycle
Check Mark Check Mark    
Free Personalized Checks
6 styles available
Check Mark Check Mark Check Mark  
Interest Bearing Check Mark Check Mark    
Overdraft Privilege Check Mark Check Mark Check Mark Check Mark
$100 Minimum Balance to avoid fees   Check Mark    
No Minimum Balance required Check Mark   Check Mark Check Mark
$4 Monthly Service Charge Check Mark      
$20 Annual Discount on Safe Deposit Box   Check Mark    
$40 Annual Discount on Safe Deposit Box Check Mark      
$2 Discount on Official Check Purchases Check Mark      
Check Safekeeping Check Mark Check Mark   Check Mark
Unlimited Check Writing Check Mark Check Mark Check Mark Check Mark
 

Premier Plus Checking

Our Premier Plus account is an interest-bearing account that has many added benefits – see the chart above. There is no minimum balance requirement, but the account does have a monthly fee. The value of the added benefits far exceeds the monthly fee.

 

Premier Checking

Our Premier Checking account is also an interest-bearing account with added benefits. There is a $100.00 minimum daily balance requirement to avoid a monthly service charge.

 

Senior Checking

Our Senior checking account is available to individuals 60 years of age or older. It is not an interest-bearing account and it does not have any minimum balance requirements. It does have added benefits which include free checks and internet banking. You can also get a VISA® Debit Card to use for withdrawals and purchases.

 

Elite Direct Deposit Checking

Our Elite checking account will not be assessed a monthly service charge if you have a monthly direct deposit. There is no minimum balance requirement. The account does have the added benefits noted in the options chart. Without a direct deposit, other charges will apply; a detailed disclosure is available at any Harford Bank office.

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Overdraft Services

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account, or line of credit you may have at Harford Bank for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Extended Coverage is also available to include ATM withdrawals and everyday debit card transactions in this service. See the links below for more information on overdrafts and the Extended Coverage option.

Overdraft Coverage Options

What You Need To Know About Overdrafts and Overdraft Fees 

You can receive more information about these services at any Harford Bank office.

 
 

Visa® Debit Card

You can get a VISA® Debit card for your checking account. This card can be used at any Harford Bank ATM or any ATM displaying a STAR, CIRRUS or MoneyPass logo. You can also use your Debit Card to pay for purchases at any merchant that accepts a VISA® debit or Credit card.

 

View Schedule of Fees   View Interest Rates

 

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