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Learn About Harris Lifestyle BenefitsSM
This account is designed for you if...
You want to earn interest.
These convenient services are available with our Checking Accounts:
• For current interest rates and Annual Percentage Yields (APY) click here
• Free Harris Debit MasterCard®

•		 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 monthly2 statements
• Direct Deposit
• Automated transfers to and from your Harris deposit accounts
• More than 250 convenient Harris locations

•		 Over 600 Harris ATMs3
Minimum opening deposit: $100
Monthly maintenance fee:4 No fee with Direct Deposit or Average Daily Balance of $2,000, otherwise $15.
Interest:5 Variable interest rate and APY.
Higher interest rates 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,6 each month: No fee with $7,500 Average Daily Balance; -or- total of 8 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.


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 BenefitsSM, 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.

Add Harris Lifestyle BenefitsSM
Monthly Membership Fee: $4
Banking Benefits Free checks – Safety paper or Harris branded
Value-Added Benefits provided through Member Headquarters Association:
• $5,000 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*
Other Harris Benefits:
• ¼% APY bonus on any Certificate of Deposit (CD)**
• No closing costs on Home Equity Lines of Credit or Home Equity Loans
• ¼% rate discount on the life of a Home Equity Line of Credit
• ¼% rate discount on a Home Equity Loan or personal installment loan, plus an additional ¼% rate discount with payments automatically debited from your personal Harris checking or savings account
• $250 mortgage closing cost credit when you purchase or refinance a home with a Harris Mortgage
• No annual fee Harris Personal Credit Card***
• No annual fee on a personal line of credit
Cancellation of Membership:
• If you're not completely satisfied with your Harris Lifestyle BenefitsSM within 60 days, we will gladly cancel your membership and refund your membership fee.7

All account openings are subject to approval. Credit cards and loans are subject to credit approval. Harris Lifestyle BenefitsSM 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.
**Receive ¼% bonus over Harris’ Annual Percentage Yield (APY) in effect on the date the CD is opened. Offer applies to standard term CDs with a minimum deposit of $1,000. Standard APYs will apply upon renewal. Early withdrawal penalties may apply.
***This credit card program is issued and administered by FIA Card Services N.A.

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

  1. 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.
  2. Wherever the phrase or word "monthly", or "each month" appears, it refers to monthly statement period.
  3. Includes ATMs at Speedway locations branded with the Harris name and/or logo.
  4. Click here for information on other fees.
  5. Click here for information about Interest Rates and Calculations on deposit accounts.
  6. Owners or operators of Non-Harris ATMs may charge for the use of their ATMs. See defintion of a Non-Harris ATM Transaction, click here.
  7. Upon cancellation of customers membership for any reason, all Harris Lifestyle Benefits, except for certain "Other Harris Benefits" will be terminated.

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.

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 products offered through Harris Investor Services, Inc. registered broker/dealer, member FINRA/SIPC , SEC-registered investment adviser. Insurance and annuities offered through Harris Bancorp Insurance Services, Inc. Harris Investor Services, Inc. and Harris Bancorp Insurance Services, Inc. are affiliates of Harris N.A. and its banking subsidiaries. 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.