This account is designed for you if...
You are age 55 or older and wish to receive a checking account with bank benefits such as free checks and value-added benefits such as dining, travel, shopping discounts and more.
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 monthly3 statements • Direct Deposit • Automated transfers to and from your Harris deposit accounts • More than 250 convenient Harris locations • Over 600 Harris ATMs4
Minimum opening deposit:	$100
Monthly maintenance fee:5	None
Interest:6	Variable interest rate and APY on balance of $1,500 or more. No interest earned on days when balance is below $1,500.
Checks and Electronic Payments, each month:	Unlimited.
Harris ATM and POS Transactions:	No fee.
Non-Harris ATM Transactions7, each month:	No fee. Surcharges incurred at Non-Harris ATMs will be reimbursed up to $10 per monthly statement period.
Check return options:	Free Check-Safekeeping and Imaged Statements.
Other features and options:	Overdraft protection (with credit approval). Overdraft Funding service.
Monthly Membership Fee:	$4
Banking Benefits	• Free checks – any style8 • Free Travelers Cheques (Single signature only).
Value-Added Benefits provided through Member Headquarters Association:	• $25,000 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* • Pharmacy, Vision and Hearing Savings Programs
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.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.
**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.

1. Upon cancellation of your membership for any reason, all Harris Lifestyle Benefits^SM, except for certain “Other Harris Benefits” will be terminated. In addition, if you have a Senior Gold Checking Account, your account will be changed to a Senior Checking Account.
2. 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.
3. Wherever the phrase or word "monthly", or "each month" appears, it refers to monthly statement period.
4. Includes ATMs at Speedway locations branded with the Harris name and/or logo.
5. Click here for information on other fees.
6. Click here for information about Interest Rates and Calculations on deposit accounts.
7. 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.
8. Only includes checks available through Harris.

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