Checking Accounts

Personal Checking Accounts and Services

Community Checking Options

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

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.

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.