Checking Accounts

Harvest Bank offers a checking account to meet your needs. To obtain more information, or open an account, just stop by one of our convenient locations.

Free Checking
Image Checking
Senior Checking
Investors NOW
Ready Reserve

Free Checking Account

Flexibility and Economy
for People on the Go

Switch your Accounts to Harvest Bank. It’s quick and easy with our Switch Kit.

If you need to reorder checks use
our secure Check Reorder Form.

Benefits:

  • No minimum balance required
  • No limit on checks written
  • No monthly maintenance fee
  • Cancelled checks imaged for easy retrieval
  • Toll-free 24 hour account inquiry and transfers through Telebank
  • Easy to balance monthly statements
  • Free Direct Deposit
  • Free automatic payments to utilities, insurance premiums and many other regular payments
  • Optional check card personalized with embedded signature and photograph (monthly fee applies)*
  • Ready Reserve for overdraft protection*
  • Free notary services
  • Helpful bank staff available to provide personal assistance during business hours
  • Quality check printing services provided through Deluxe Corporation

* These services are granted to qualifying customers.

Minimum Balance to open the account – You must deposit $100.00 to open this account.


Image Checking Account

Traditional Checking With
a New Look

Switch your Accounts to Harvest Bank. It’s quick and easy with our Switch Kit.

If you need to reorder checks use
our secure Check Reorder Form.

Benefits:

  • Images of checks and deposit tickets included with monthly statements
  • No monthly maintenance fee with a $400 minimum daily balance
  • Toll-free 24 hour account inquiry and transfers through Telebank
  • Easy to balance monthly statements
  • Free Direct Deposit
  • Free automatic payments to utilities, insurance premiums and many other regular payments
  • Free check card personalized with embedded signature and photograph*
  • Ready Reserve for overdraft protection*
  • Free notary services
  • Helpful bank staff available to provide personal assistance during business hours
  • Quality check printing services provided through Deluxe Corporation

* These services are granted to qualifying customers.

Minimum Balance to open the account – You must deposit $100.00 to open this account.

Service Charge – If the balance in the account falls below the $400.00 minimum balance on any day during the statement cycle, a $4.00 service charge will be assessed.


Senior Checking Account

Something Extra for 62 Plus

Switch your Accounts to Harvest Bank. It’s quick and easy with our Switch Kit.

If you need to reorder checks use
our secure Check Reorder Form.

Benefits:

  • No minimum balance requirement
  • Images of checks and deposit tickets available on monthly statement for a monthly charge of $3.00
  • Toll-free 24 hour account inquiry and transfers through Telebank
  • Easy to balance monthly statements
  • Free Direct Deposit
  • Free automatic payments to utilities, insurance premiums and many other regular payments
  • Free check card personalized with embedded signature and photograph*
  • Ready Reserve for overdraft protection*
  • Free notary services
  • Helpful bank staff available to provide personal assistance during business hours
  • Quality check printing services provided through Deluxe Corporation

* These services are granted to qualifying customers.

Minimum Balance to open the account – You must deposit $100.00 (or a lesser amount if you have direct deposit) to open this account.


Investors NOW Account

Switch your Accounts to Harvest Bank. It’s quick and easy with our Switch Kit.

If you need to reorder checks use
our secure Check Reorder Form.

Benefits:

  • Competitive rates offered in a tiered interest rate structure
  • Images of checks and deposit tickets available on monthly statement for a monthly charge of $3.00
  • No monthly maintenance fee with a $1,000 minimum daily balance
  • Toll-free 24 hour account inquiry and transfers through Telebank
  • Easy to balance monthly statements
  • Free Direct Deposit
  • Free automatic payments to utilities, insurance premiums and many other regular payments
  • Free check card personalized with embedded signature and photograph*
  • Ready Reserve for overdraft protection*
  • Free notary services
  • Helpful bank staff available to provide personal assistance during business hours
  • Quality check printing services provided through Deluxe Corporation

* These services are granted to qualifying customers.

Minimum Balance to open the account – You must deposit $1,000.00 to open this account.

Interest Rate Information – Interest is compounded and credited monthly. You must maintain a minimum balance of $1,000.00 to obtain the disclosed Annual Percentage Yield.

Service Charge – If the balance in the account falls below the $1,000.00 minimum on any day during the statement cycle, a $7.00 service charge will be assessed.


Ready Reserve

Switch your Accounts to Harvest Bank. It’s quick and easy with our Switch Kit.

If you need to reorder checks use
our secure Check Reorder Form.

A ready reserve account is a pre-approved line of credit that works automatically with your checking account.  It can be used to cover overdrafts and avoid overdraft (NSF) charges.  It also provides a flexible cash reserve that you can use for emergencies or unexpected expenses.

The ready reserve account is a simple-interest loan, with no set-up charge.  All loan advances are activated in $50 increments.  The interest accrues on a daily basis and you are charged only on the amount of cash used for the length of time you need it.

Please contact one of our loan officers for more information and for how to apply for a Ready Reserve Account.

* Annual fee does apply.