Personal Checking Accounts

Check out our wide array of options — each built to benefit different members with their own unique needs and goals.

When you join Harvesters Credit Union, we never charge you a checking account maintenance fee — no matter what balance you maintain or how many checks you write!

Learn about our Overdraft Coverage Options, Harvesters Mastercard® Debit Card, and who to call if you suspect your debit card is lost or stolen under our list of accounts below.

Free Rewards Checking

• Cash back on your debit card purchases
• Refunds on ATM withdrawal fees, nationwide*
• Link to free Saver (to automatically save and earn)

High Yield Checking

• Free checking that pays high dividend earnings
• Refunds on ATM withdrawal fees, nationwide*
• Link to free Saver (to automatically save and earn)

Harvesters Regular Checking

• No minimum balance required
• Free online & mobile banking
• Over 20 local surcharge and fee-free ATMs Find ATM Locations

More About Our Checking Accounts:

Mobile Remote Deposit Capture

Remote Deposit Capture allows you to deposit a check using your mobile device by taking a picture of the check and submitting it to the Credit Union. To use Remote Deposit Capture, install the Credit Union’s mobile banking app from the Apple App Store for iOS or Google Play Store for Android.

Deposit Limits. Members may submit multiple remote check deposits throughout the day. The total dollar value of the remote check deposit shall not exceed $2,500 a day, with a $2,500 per transaction limit.

Endorsement. Member shall sign and endorse each check to be deposited as follows “[Signature] For Deposit only at Harvesters CU”

Maintenance and Destruction of Original Check. Member shall securely store all original checks for a period of 30-days after Member has received notice from HCU that the file containing the images of such checks has been accepted.

Overdraft Coverage Options

Harvesters Credit Union knows that sometimes accidents happen. If you write a check but have insufficient funds in your checking account to cover it, we offer Overdraft Coverage. Overdraft Coverage will automatically transfer money from your savings account to your checking account for a small charge.

Harvesters Mastercard® Debit Card

Every checking account at Harvesters Credit Union is qualified to be issued a Mastercard® Debit Card that can be used at any ATM or merchant that accepts Mastercard.

Your Harvesters Mastercard® Debit Card is your ATM card and checkbook all rolled into one!

• Make withdrawals
• Make transfers between your Harvesters checking and savings accounts
• Accepted worldwide

*No monthly maintenance fees apply to personal checking