Personal Checking

Old Harbor offers a variety of Personal Checking accounts. Whether you bank in person, over the Internet, carry a high balance, write only a few checks, or write numerous checks. Old Harbor Bank offers an account that suits your financial needs.

Our friendly staff can assist in finding the right services and products to suit your needs. You will find our list of products and services straight forward and easy to understand. All of our personal checking accounts include your first order of checks (in selected styles), account access with our Debit MasterCard, and basic internet banking free of charge. We offer 4 different types of personal checking accounts.

Basic Checking Account

• $100 minimum deposit to open
  
• Access your account with our Debit MasterCard
  
• Free first order of checks (in pre-selected styles)
  
• No monthly maintenance fee and unlimited check writing
  
• Free basic internet banking with Bill Pay
  

Interest Checking Account

• $100 minimum deposit to open
  
• Interest will be compounded daily, credited monthly and paid on the collected balance. Minimum daily balance of $1,500 required to earn interest.
  
• $10 monthly maintenance fee; maintenance fee can be avoided by maintaining a $1,500 minimum daily balance or $3,000 monthly average collected balance. Maintenance fee can also be avoided by maintaining a $5,000 average collected balance in all primary checking accounts or $10,000 average collected balance in all primary savings accounts.
  
• Unlimited Check Writing
  
• Access your account with our Debit MasterCard
  
• Free first order of checks (in pre-selected styles)
  
• Free basic internet banking with Bill Pay
  

Senior Checking (age 50 and over)

• $100 minimum deposit to open
  
• Interest will be compounded daily, credited monthly and paid on the collected balance. Minimum daily balance of $1,500 required to earn interest.
  
• Unlimited check writing
  
• Access your account with our Debit MasterCard
• Free personalized checks (in pre-selected styles).
  
• Free basic internet banking with Bill Pay
  

Personal Money Market

• $100 minimum deposit to open
  
• Tiered interest rate structure. Interest will be compounded daily, credited monthly and paid on the collected balance. No minimum balance required to earn interest.
  
• $10 monthly maintenance fee; maintenance fee can be avoided by maintaining a $5,000 minimum daily balance or a $10,000 monthly average collected balance.
  
• Six (6) total debit transactions allowed per month with no more than three (3) debits by check or draft to third party; additional debits or checks/drafts are $5.00 each, except for ATM withdrawals regardless of balance. (See ATM banking section for ATM banking fees)
  
• Free first order of checks (in pre-selected styles)
  
• Free basic internet banking with Bill Pay