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JDPower

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Harris Extras
Day-to-Day Banking Benefits Convenient Banking Options
Bonuses on Deposits

Money Saving Opportunities with Checking Accounts
Discounts on Loans


Day-to-Day Banking Benefits
• Free introductory checks
• Free Harris Debit MasterCard® card
with Harris Everyday Benefits,SM a no fee debit card rewards program. Enroll today and begin receiving reward points for merchandise and travel.
• No annual fee MasterCard® and American Express® credit cards1
with rewards programs
• Overdraft Protection available
• Unlimited check writing
• Safe Deposit discounts2
10% discount on safe deposit box, plus $5 fee discount with automated payment

Bonuses on Deposits
• Certificate of Deposit (CD) and IRA CD3
Earn 0.25% bonus over standard rates
•Statement Savings Account, Money Market Account, and IRA Prime Money Market Savings with Auto Save4
— Earn 0.25% bonus when you set up monthly transfers from your Harris personal checking account
— No minimum balance required

Discounts on Loans
• Mortgages
$250 credit toward mortgage closing costs when you purchase or refinance a home5
• Home Equity Loans
No closing costs and up to 1/2% rate discount on fixed rate Home Equity Loan with automated payments6
• Home Equity Lines of Credit
No closing costs and 1/4% rate discount on Home Equity Line of Credit
• Personal Installment Loans
Up to 1/2% rate discount on fixed rate loan with automated payments6
• Personal Lines of Credit
No annual fee

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Convenient Banking Options
• Free unlimited Harris ATM Transactions7
• Free telephone and online banking services
• Free Harris Bill Payment and Presentment®
• Free Harris Total Look®
One-click access to all your online accounts

Money-Saving Opportunities with Checking Accounts
• Eliminate or reduce monthly maintenance or transaction fees when you:
— Have combined qualifying deposit balances of $20,000 or more8
— Add direct deposit
•Get ATM surcharge rebates
up to $10 per monthly statement period9



All account openings are subject to approval. All overdraft protection lines of credit, credit cards and loans are subject to credit approval and underwriting guidelines. To qualify for Harris Extras® offers, a Harris personal checking account is required and must be maintained (excluding money market checking accounts). Offers cannot be combined with any other offer for the same product. Harris reserves the right to amend or cancel any part of these offers.
  1. For information about the rates, fees, other costs and benefits associated with the use of these credit cards, call 1-800-545-7899 for MasterCard, 1-800-446-5551 for American Express or visit harrisbank.com. These credit card programs are issued and administered by FIA Card Services, N.A. MasterCard is a registered trademark of MasterCard International Incorporated and is used by the issuer pursuant to license. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to license.
  2. Safe deposit boxes available at many locations. Automated payment must be from a Harris personal checking or savings account.
  3. Receive 0.25% bonus over Harris’ Annual Percentage Yield (APY) in effect on the date the CD is opened. Offer applies to all non-IRA CDs and IRA CDs with terms twelve months or greater. Personal accounts only. No brokered deposits. Minimum opening deposit and new money requirements may apply. Standard APYs will apply upon renewal. Online account opening limitations apply. Early withdrawal penalties may apply.
  4. $25 or more per month minimum recurring transfer required for Statement Savings Account. $100 or more per month minimum recurring transfer required for Money Market Account and IRA Prime Money Market Account.
  5. Requires automatic debit of mortgage payments from a Harris personal deposit account or payment through Harris Bill Payment and Presentment®. Offer only applies to primary residences.
  6. Requires automatic debit of payments from a Harris personal checking or savings account to receive full discount.
  7. A Harris ATM Transaction is a deposit, withdrawal, transfer or balance inquiry at an ATM owned or operated by Harris, or branded with the Harris name and/or logo.
  8. Funds in Money Market Mutual Funds are not considered in the qualifying deposit balance requirement. Offer only applies to Interest-Checking, not Senior Checking and Harris Platinum Plus CheckingSM accounts. See the Your Guide to Deposit Services at Harris for details.
  9. Offer only applies to Harris Smart Sweep Checking,SM Senior Checking, Senior Advantage Checking, Senior Gold Checking and Harris Platinum Plus CheckingSM accounts.

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

Harris National received the highest numerical score in a tie among retail banks in the Midwest (IL, OH, IN, MO, WI, MN, MI, IA) region in the proprietary J.D. Power and Associates 2009 Retail Banking Satisfaction Study.SM Study based on a total of 28,570 responses measuring 21 providers in the region and measures opinions of consumers with their primary banking provider. Proprietary study res ults are based on experiences and perceptions of consumers surveyed in January 2009. Your experiences may vary. Visit jdpower.comExternal link leaving harrisbank.com.




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.