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Personal Checking Accounts

Check out our wide array of options — each built to benefit different members with their own unique needs and goals.


When you join Harvesters Federal Credit Union, we never charge you a checking account maintenance fee — no matter what balance you maintain or how many checks you write!


Learn about our Overdraft Protection, Harvesters Visa® Debit Card, and who to call if you suspect your debit card is lost or stolen under our list of accounts below.



Harvesters Regular Checking

  • No minimum balance required
  • Over 20 local surcharge and fee-free ATMs [link to ATM Locations page]
  • Free online & mobile banking
  • Over 20 local surcharge and fee-free ATMs Find ATM Locations

Free Kasasa Cash®

  • Free checking that pays high dividend earnings
  • Refunds on ATM withdrawal fees, nationwide*
  • Link to free Kasasa Saver® (to automatically save and earn)

Free Kasasa Cash Back®

  • Cash back on your debit card purchases
  • Refunds on ATM withdrawal fees, nationwide*
  • Link to free Kasasa Saver® (to automatically save and earn)


More About Our Checking Accounts:


Overdraft Protection

Harvesters Federal Credit Union knows that sometimes accidents happen. If you write a check but have insufficient funds in your checking account to cover it, we offer overdraft protection. Overdraft Protection will automatically transfer money from your savings account to your checking account for a small charge.

*To learn more about overdraft protection, please refer to our schedule of fees for overdraft and non-sufficient funds fees.


Harvesters VISA® Debit Card

Every checking account at Harvesters Federal Credit Union is qualified to be issued a VISA® Debit Card that can be used at any ATM or merchant that accepts VISA.

Your Harvesters VISA® Debit Card is your ATM card and checkbook all rolled into one!

  • Make withdrawals
  • Make transfers between your Harvesters checking and savings accounts
  • Accepted worldwide

*No monthly maintenance fees apply to personal checking


Fraud prevention is just a phone call away.


24/7 Assistance: (866) 664-9364

  • Lost/stolen card
  • Recent transactions, PIN changes and more

Disputes: (800) 808-6402


Contact us today to learn more about our checking accounts and how to open your own.