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Personal Checking Accounts

At Harbor Community Bank, we take pride in playing an active role within the local communities we serve. In honor of this proud tradition, we use the “Hometown” touch with many of the products we offer. No matter what account you choose, each one allows you take advantage of several select services and features.

  • Direct Deposit
  • Online and Mobile Banking
  • Online Bill Pay
  • E-Statements
  • CardValet®
  • Mobile Deposit
  • 24-Hour Telephone Banking
  • MasterCard® Debit Card
  • Night-Drop
  • Notary Services

Meet with one of our knowledgeable, friendly bankers near you to learn more about Harbor’s personal checking account option and discover the account that is right for you!

Account Options

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Having a choice on how you manage your account is key. Keep all of your funds in a Hometown Choice checking account or link one or more checking, savings, or money market accounts to your Hometown Choice checking account to fulfill minimum balance requirements. With Hometown Choice, you can even link a CD. For added convenience, ask about our combined monthly statements. It is all your choice!


Like Hometown Choice, this full-service account lets you harness the funds you have in other Harbor deposit accounts to fulfill minimum balance requirements, but its lower monthly balance requirement makes Hometown Advantage an affordable, convenient option. Sign up for direct deposit and Harbor will waive the monthly maintenance fee! Harbor will also waive the monthly maintenance fee for customers whose loans meet minimum balance requirements. It is that easy.


Keep your money and the environment happy! Sign up for paperless e-statements to take advantage of Hometown Green, the account that gives you fee-free checking just for going green.


With no minimum balance and no monthly service charge, Hometown 50 was designed exclusively for clients 50 years of age and older. At Harbor, we also provide Hometown 50 account holders with paper statements at no additional cost for added convenience.


Earn interest on your checking account with Hometown Premium, the checking account that works for you. This full-service account is ideal for those customers who meet a combined minimum balance across all deposit accounts. Stop by your local Harbor branch today to see if you qualify.


Are you an employee of a participating Harbor at Work business? If so, you may be eligible to sign up for a Harbor at Work checking account. Once enrolled, you will receive discounts on nonresidential loans, mortgage closing costs, and overdraft fees, and if you use your debit card at least four times per statement period, Harbor will waive the monthly service fee. Check with your employer to see if you qualify.

Do you work for a business that would like to participate? Contact your local Harbor branch to learn how today!

Online and mobile banking made easy


In today’s fast-paced, global economy, having immediate access to your funds and financial information is essential. With Harbor Community Bank’s free online banking services and HarborToGo mobile app, you can access your accounts at anytime from anywhere.

Key Features

  • 24/7 Account Access
  • Check Account Balances
  • Review Recent Account Activity
  • Transfer Money Between Accounts
  • Text Banking1
  • Pay Bills
  • Change and Cancel Pending Payments
  • Find ATM and Branch
  • Quicken™, Quickbooks™, and Microsoft Money™ Enabled2

Enroll now

Get it on Google Play

1 Wireless carrier text message and data rates may apply.
2 Quicken™, Quickbooks™, and Microsoft Money™ exportation available through online banking only.


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Online Bill Pay

With Harbor’s online bill pay feature, you can receive and review eBills, schedule one-time or recurring payments, initiate stop payments, and review pending payments and payment history with ease.


Help ensure your bills are paid on time.Simply sign up to receive electronic bills from participating companies within your online banking account.


Access your statements online to help reduce waste and protect the environment.

E-mail and Mobile Alerts1

Set e-mail or mobile alerts to notify you when an eBill is due, when you have received your direct deposit, or to alert you of specified activity on your accounts.

1 Wireless carrier text message and data rates may apply.

Text Banking1

Let’s you check your account balance and account history and find ATM and branch locations near you with a simple text message.

1 Wireless carrier text message and data rates may apply.

Mobile Deposit1

Simply snap a picture of the front and back side of your check to deposit into your account using the HarborToGo mobile app. It is easy, safe, and secure.

1 To use Mobile Deposit, users must enroll in Harbor’s online banking service and download the HarborToGo mobile app from their Google Play or Apple App Store onto a compatible camera-equipped mobile device.


Move money quickly and securely between Harbor accounts and other financial institutions.

Popmoney® 1

Popmoney allows you to send and receive money to and from friends and family or even businesses with a simple e-mail address or mobile number. It is quick, easy, and secure.

1 Nominal fees and deposit transfer limits apply. Transactions may take up to three business days.

MasterCard® Debit Cards

  • Accepted worldwide wherever you see the MasterCard logo.
  • No fees on withdrawals at Harbor Community Bank and Publix Presto! ATMs.
  • Make deposits and withdraw cash on your schedule at participating 24-hour ATMs.
  • Use your Mastercard debit card to pay bills online.
  • Control when, where, and how you use your card with the CardValet®.
  • Each card comes with EMV microchip technology.
  • Zero liability protection keeps you protected from unauthorized transactions.
  • US cardholders may access MasterCard ID Theft Protection™ services at no additional cost and receive ID theft alerts, emergency wallet replacement, and expert resolution services.


At Harbor we offer more than basic checking and savings account solutions.

Foreign Currency Exchange

  • Low exchange fee
  • $200 minimum exchange amount
  • Fast, convenient service (currency typically available within two business days)
  • Foreign currency available from over 80 popular countries

*Harbor Community Bank does not provide or buy back foreign coins. Currency exchange rates change daily. Please visit your local branch to learn more.

Notary Service

This complimentary service is available to current Harbor Community Bank customers.

Contact your local branch today.

Order Checks

  • Order in person
  • Contact Harland Clarke at 1-800-503-2345
  • Order online at*
  • Mail in your order form to Harland Clarke using the address provided on the form

*Note: Online option not available if your mailing address has changed.

Overdraft Protection

Protect your account with a secondary Harbor deposit account or a Harbor line of credit.

Contact your local branch today to learn more.

Safe Deposit Boxes

  • Choose a size to suit your needs
  • Protect your valuables against fire or theft
  • Boxes available at select branch locations

Contact your local branch for sizes and availability.


Receive or transfer money quickly and securely using your account. We offer wire transfer services for our customers to destinations both foreign and domestic.

For outgoing wires, please visit any of our branch locations.