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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
E-Statements available Check Mark Check Mark Check Mark Check Mark
Visa® Check 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.

Overdraft Protection

Harford Bank’s Overdraft Protection Program provides you with an overdraft limit of $800.00 on your checking account, when you meet the minimum qualification requirements. This service allows you to avoid the cost and embarrassment of having a check drawn against nonsufficient funds returned unpaid. The service charge is the same as an NSF check, but the check is paid or the withdrawal processed.

Harford Bank has other overdraft protection options and you can receive information about these at any office.

Visa® Check Card

You can get a VISA® check 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 Check 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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