Personal Banking: Checking Solutions

Most of us can't imagine functioning without a checking account - it's a basic banking necessity. That's why at Harleysville National Bank and Trust Company, we've woven simplicity, savings, and service into our menu of checking options. One is sure to work well for you. With the addition of FREE services like Web Banking, Bounce Protection®, and Telephone Banking, our automated telephone banking solution, HNB checking accounts provide real value! Convenient options like a Visa® Check Card and online Bill Payment are also available. If you're 49 or better, be sure you check out our premiere banking packages: Rewards and Total Rewards!
To view details about our checking accounts, select an account type from the drop-down box, or scroll down to view all.

e.Banking - The Ultimate in Convenience!
Who wouldn't like a little more convenience in life? Harleysville National Bank and Trust Company just introduced a new package with free checking and electronic services called e.banking.

e.banking is free and offers a personal checking account with no minimum balance requirements and all the electronic bells and whistles that today’s consumer can enjoy. It’s for anyone – students, professionals, retirees or anyone who likes to bank electronically.

Account Features:
Free checking with Bounce Protection!
Free Bill Payment with Web Banking!
Free Visa Check Card!
Web Statement Delivery - our electronic account statement delivery system* - reduce paper clutter in your life!

Rewards & Total Rewards:
Premiere Banking Packages for Those 49 and Better!

You're 49 or better and you're not afraid to ask for what you want. And you've told us what you want from your banking relationship: service, convenience, value and respect. We think Rewards and Total Rewards deliver all of that and more.

How Can You Join?

To join Rewards, just maintain a $100 minimum daily balance in a Harleysville National Bank (HNB) Interest Checking account.

Or step up to Total Rewards. Maintain a combined daily balance of $10,000 in your HNB Interest Checking, Money Market, or Savings accounts to qualify for Total Rewards.

Choose the Premiere Banking Package that's right for you:

Rewards
The Benefits of Membership are Awesome! Save up to $115 Annually!

No per-check charge. Check images can be viewed online or you may request 24 free check copies annually.
Free annual order of select style personalized checks - a $10 value
Free overdraft protection transfers
Free Direct Deposit
No monthly fee Savings or Money Market Account
No monthly fee Visa® Check Card - a $12 value
Free Visa Platinum Credit Card or Visa® Platinum ScoreCard™ Credit Card. No annual fee charged**
Free Telephone Banking
Free telephone transfers
Free Web Banking with 6 free months of bill payment - a $30 value
Free retirement planning consultation***
Free informational newsletter
Free financial and educational seminars
Up to ½% off installment loan rate with automatic payment**
$50 credit towards mortgage closing costs**
50% off annual rental of a 3" x 5" safe deposit box with automatic payment* - an $11 value
Total Rewards
Save up to $275 Annually!

With Total Rewards, Get all the benefits of Rewards (see above), PLUS:

Option to get check images returned with your monthly statement at no additional charge
Additional check styles available when ordering personalized checks or get a $15 credit towards a premium style
No PLUS® system transaction fees charged by HNB - that saves $2 per transaction!
Free bill payment with Web Banking - always. A value worth $60 annually
Free investment, will, and estate plan review - priceless!
Additional $50 credit towards mortgage closing costs (a $100 total value)**
Free safe deposit box up to $50 annually*
Free travelers cheques when purchased in branches
Free bond coupon processing
Stay Informed on Financial Matters

As a Rewards or Total Rewards member, you'll automatically receive our quarterly newsletter filled with Real Life Financial Solutions and entertainment discounts. Additionally, HNB will host educational and financial seminars on various topics of interest to you.


Interest Checking

Combine the benefits of a savings account with all the conveniences of a checking account... a real dynamic duo! The account earns interest (rate subject to change daily), so even money on deposit for a short period of time works for you.

We give you five ways to avoid a monthly service charge on your Interest
Checking account! Just maintain one of the following balances:

Minimum daily balance of $500 in your Interest Checking account; or
Average monthly balance of $1,500 in your Interest Checking account; or
Minimum daily balance of $1,000 in your Statement Savings account; or
Minimum daily balance of $2,000 in your Checking and Money Market account; or
Minimum daily balance of $8,000 in any combination of Checking, Statement Savings or Money Market accounts.
We automatically check all options for you each month. If none of the above minimums are met, the service charge will be as follows:

Just $5 per month and we'll store your cancelled check images for you! You can view images online anytime or request copies from us; OR
$7 per month if cancelled check images are returned to you with your
statement.
Your account will continue to earn interest should the balance fall below
any minimum. Fees could reduce account earnings. (If overdrawn, the account earns no interest.)

In addition, you will receive the following:

No Per-Check charges: Write as many checks as you like.
Monthly Statements: You'll receive accurate, easy-to-understand monthly statements and have the choice to receive them online or by mail.
Our monthly service charge, if applicable, is assessed once per month, regardless of the number of times the balance may drop below the minimums.
If we store check images for you, 24 free copies are allotted annually. Additional copies are $2.


Regular Checking

Designed to give you ample opportunity to avoid a monthly service charge. Maintain just one of the following balances and a monthly maintenance fee will not be assessed on your account:

Minimum daily balance of $300 in your Regular Checking account; or
Average monthly balance of $1,000 in your Regular Checking account; or
Minimum daily balance of $500 in your Statement Savings account; or
Minimum daily balance of $1,000 in your Checking and Money Market account; or
Minimum daily balance of $4,000 in any combination of Checking, Statement Savings or Money Market accounts.
We automatically check all options for you each month. If none of the above minimums are met, the service charge will be as follows:

Just $4 per month and we'll store your cancelled check images for you! You can view images online anytime or request copies from us; OR
$6 per month if cancelled check images are returned to you with your statement.
In addition, you will receive the following:

No Per-Check charges: Write as many checks as you like.
Monthly Statements: You'll receive accurate, easy-to-understand monthly statements and have the choice to receive them online or by mail.
Our monthly service charge, if applicable, is assessed once per month, regardless of the number of times the balance may drop below the minimums.
If we store check images for you, 24 free copies are allotted annually. Additional copies are $2.


Thrifty Checking

No minimum balance requirement.
Low monthly fee of just $2.50.
Up to 8 checks posted against your account per statement cycle at no charge (After the first 8, the charge will be $.50/check).
Account features check image safekeeping (cancelled check images are stored at the bank). You may view your check images at any time online using Web Banking, or if you prefer you may request copies from us.


Senior Checking

Harleysville National Bank prides itself in its service to and concern for our senior citizens. We currently offer our customers 60 years of age or better:

Free non-interest Checking account with direct deposit and check safekeeping.
Free annual order of personalized checks, select style.
Free Web Banking with optional three free months of Bill Payment.
Free Telephone Banking.
No Per-Check charges: Write as many checks as you like.
Monthly Statements: You'll receive accurate, easy-to-understand monthly statements and have the choice to receive them online or by mail.
If we store check images for you, 24 free copies are allotted annually. Additional copies are $2.


And Don't Forget...

VISA® Check Card

No checking account is complete without the convenience of a Visa® Check Card. The Visa® Check Card is not a credit card, it's a check card because the money comes out of your checking account, just like a check. Use the card to pay for purchases anywhere Visa® debit cards are accepted; sign the authorization slip and the amount will be deducted from your checking account. You can even use your Visa® Check Card for many online purchases. Your Visa® Check Card is combined with your STAR® card providing even more convenience and purchasing power for only $1 per month charged to your checking account.

Web Banking

Sign up for Harleysville National Bank and Trust Company's free Web Banking service. View your checking account balances and activity, print a listing of your current transactions, view images of paid checks, place a stop payment, or transfer funds. A convenient bill payment option is also available. Try our convenient Web Banking Demo, then contact us to initiate this service for you or apply online!