Checking Account.

It's your money. Access it when and where you want with over 32,000 ATMs.

Open an account online

Free checking account accessible anywhere.

Just because we're local to Harford County, doesn't your access to your money is only local. Featuring over 32,000 MoneyPass ATMs across the country! Plus no minimum balance and no hidden fees.

Find a surcharge-free ATM

No fees. All the benefits.

Speak to a representative today

No monthly charges

No maintenance or per check charges.

No minimum balance

From $1 to $1,000,000.

4 free monthly non
Har-co ATM 

Unlimited Har-co and MoneyPass ATM transactions.

Online/Mobile Banking

Access your money on our site or through the app. Manage all of your finances in one place.

Free checks

Free starter checks and a box of basic checks every year.

Online bill pay

Pay your bills with ease from anywhere.

Money Market Accounts

A Money Market Account combines the benefits of both a savings and checking account while generally offering a higher rate of return than a regular savings account. This account provides tremendous flexibility and easy access to your money. Please give us a call or visit for our current rates.

  • A $2,000.00 minimum daily balance is required to open and maintain this account in order to obtain the prevailing annual percentage yield.
  • Dividends are compounded and credited monthly. Account earns dividends on the average daily balance.
  • The dividend rate and annual percentage yield may change at any time as determined by the Credit Union Board of Directors.
  • Access to your funds is easy via online/mobile banking, ATM, branch offices and telephone teller.
  • Federally insured up to $250,000 by the National Credit Union Share Insurance Fund.

Frequently asked questions.

What information or documentation is needed to apply for a new checking account?

To apply for a new checking account, you will need the following for you and all joint account-holders:
• Social Security number
•on-expired government issued photo identification (driver’s license, valid passport, government issued ID with photo and signature)
•Minimumrequired opening deposit (amount varies depending on type of account)

How can I make a deposit into my checking account?

• Enroll in Online Banking to transfer funds from your account at another institution
• Download our Mobile App and select Deposit at the bottom of the home screen to deposit a check
• Deposit cash/checks through a branch ATM using your Har-co Debit Card
• Place your deposit in the Night Depository at any branch office
• Sign up for Direct Deposit - the initiating company (i.e. employer, social security, pension company, etc.) will need the following information:
1. Har-co’s routing number 255076892
2. Your checking account number, located on the bottom of your Har-co checks to the right of the routing number. What if I don’t have checks?  You can stop by any branch office and request starter checks OR call the Contact Center at 410-838-9090 for other options.

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