Harris Free Checking

	Learn About Harris Lifestyle BenefitsSM
This account is designed for you if...
You do not want to maintain a minimum balance on your account.
These convenient services are available with our Checking Accounts:
• Harris Extras® — bonuses on deposits, discounts on loans, and much more • Free Harris Debit MasterCard® plus Harris Everyday BenefitsSM,a free debit card rewards program • Access to your accounts by ATM, Point-of-Sale (POS), phone or online • Free introductory checks • Free Harris Telephone Banking® • Free Harris Online Banking® • Free online check images	• Free Harris Bill Payment and Presentment® • Free Harris Total Look® • Detailed monthly1 statements • Direct Deposit • Automated transfers to and from your Harris deposit accounts • More than 280 convenient Harris locations • Over 650 Harris ATMs2
Minimum opening deposit:	$100
Monthly maintenance fee:3	No fee.
Checks and Electronic Payments, each month:	Unlimited.
Harris ATM and POS Transactions:	No fee.
Non-Harris ATM Transactions,4 each month:	$2 each Non-Harris ATM Transaction.
Check return options:	Free Check-Safekeeping. Or select Imaged Statements for a low monthly $2 fee.
Other features and options:	Overdraft protection (with credit approval). Overdraft Funding service. College students are entitled to fee-free Non-Harris ATM Transactions for 4 years.4

Harris believes that you deserve more from your bank and now Harris can help you get more for less and save you money too – with new Harris Lifestyle Benefits^SM, a package of exciting travel, shopping, dining discounts and more. To learn more about these bank and nonbank benefits, please refer to the table below.

All account openings are subject to approval. Credit cards and loans are subject to credit approval. Harris Lifestyle Benefits^SM are only available for select personal accounts and at select Harris locations. Offers cannot be combined with any other offer for the same product. Harris reserves the right to amend or cancel any of these offers.

The monthly membership fee covers the provision of the nonbank services, including Travel Accidental Death Insurance. These services are provided through Member Headquarters Association. Member Headquarters Association is not affiliated with Harris N.A. Customer will receive program membership materials at the time of account opening or as soon as reasonable thereafter.

*Services are provided by GE Motor Club, Inc. Benefits are subject to limitations and conditions. A fee of $64.95 will be charged per event. Prices and terms are subject to change without notice.

Notes:
Click here for Definitions and other important terms.
This personal checking account is only available at Harris N.A.

1. Wherever the phrase or word "monthly", or "each month" appears, it refers to monthly statement period.
2. Includes ATMs at Speedway locations branded with the Harris name and/or logo.
3. Click here for information on other fees.
4. Owners or operators of Non-Harris ATMs may charge for the use of their ATMs. See definition of a Non-Harris ATM Transaction, click here.
5. Harris’ standard fee of $2 for each Non-Harris ATM Transaction will apply at the end of the 4-year fee waiver period.
6. Upon cancellation of customers membership for any reason, all Harris Lifestyle Benefits, except for Harris Extras will be terminated.

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