Interest Gold Checking

Personal Financial Services

Interest Gold Checking^1,2

This account is designed for you if...

You want to earn interest and enjoy additional bank benefits such as free checks and value added benefits such as dining, travel, and shopping discounts.

These convenient services are available with our Checking Accounts:

	•	For current interest rates and Annual Percentage Yields (APY) click here
	•	Harris Extras^® — bonuses on deposits, discounts on loans, and much more
	•	Free Harris Debit MasterCard^® plus Harris Everyday Benefits^SM, 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 monthly³ statements
	•	Direct Deposit
	•	Automated transfers to and from your Harris deposit accounts
	•	More than 280 convenient Harris locations
	•	Over 650 Harris ATMs⁴

Minimum opening deposit:

$100

Monthly maintenance fee:⁵

No fee.

Interest:⁶

Variable interest rate and APY.
Higher interest rates may be earned at $2,500 and $10,000 levels.

Checks and Electronic Payments, each month:

Unlimited.

Harris ATM and POS Transactions:

No fee.

Non-Harris ATM Transactions,⁷ each month:

10 free, then $2 each.

Check return options:

Free Check-Safekeeping and Imaged Statements.

Other features and options:

Overdraft protection (with credit approval).
Overdraft Funding service.

Monthly Membership Fee:

Harris Lifestyle Benefits -- Banking Benefits:

•	Free checks – any style⁸
•	Free American Express^® Travelers Cheques (single-signature)

Harris Lifestyle Benefits -- Value-Added Benefits provided through Member Headquarters Association:

•	$10,000 Travel Accidental Death Insurance
•	Payment Card and Personal Identity Protection
•	Travel, Hotel and Recreation Discounts
•	Local and National Dining Savings
•	Local and Online Shopping and Services Discounts
•	Emergency Travel and Roadside Assistance Services*

Cancellation of Membership:

•	If you're not completely satisfied with your Harris Lifestyle Benefits^SM within 60 days, we will gladly cancel your membership and refund your membership fee.¹

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.

Upon cancellation of your membership for any reason, all Harris Lifestyle Benefits^SM, except for Harris Extras will be terminated. In addition, if you have an Interest Gold Checking Account, your account will be changed to an Interest-Checking Account.
No maintenance or transaction fees for account holders with a combined total of $20,000 or more in any qualifying Harris deposit accounts (Checking, Savings, Money Market, CD, IRA). See definition of Relationship Depositor, click here. Other miscellaneous fees still apply, click here.
Wherever the phrase or word "monthly", or "each month" appears, it refers to monthly statement period.
Includes ATMs at Speedway locations branded with the Harris name and/or logo.
Click here for information on other fees.
Click here for information about Interest Rates and Calculations on deposit accounts.
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.
Only includes checks available through Harris.

MasterCard^® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

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Harris^® is a trade name used by Harris N.A. and its affiliates. Member FDIC External link leaving harrisbank.com Equal Housing Lender Logo

Third party web sites may have privacy and security policies different from Harris. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of web sites reached through links from Harris web sites.

Brokerage (including mutual funds and annuities) and investment advisory services are offered through Harris Investor Services, Inc. Member FINRA/SIPC . SEC-registered investment adviser. Insurance offered through Harris Bancorp Insurance Services, Inc. Harris Investor Services, Inc. and Harris Bancorp Insurance Services, Inc. are affiliated companies. Products offered are: NOT A DEPOSIT - NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY - NOT GUARANTEED BY ANY BANK - MAY LOSE VALUE.

United States Department of Treasury Regulation Circular 230 requires that we notify you that, with respect to any statements regarding tax matters made herein, including any attachments, (1) nothing herein was intended or written to be used, and cannot be used by you, to avoid tax penalties; and (2) nothing contained herein was intended or written to be used, and cannot be used, or referred to in any marketing or promotional materials. Further, to the extent any tax statement or tax advice is made herein, Harris N.A. does not and will not impose any limitation on disclosure of the tax treatment or tax structure of any transactions to which such tax statement or tax advice relates. Harris N.A.does not provide legal advice to clients. You should review your particular circumstances with your independent legal and tax advisors.