Checking Accounts

One of the best ways to maximize your Credit Union membership is by setting up direct deposit to an Harvard FCU checking account. Our Smart Rewards Checking accounts come in two variations (Cash Back and Premium Interest) both of which offers a range of valuable features and benefits.

  • No monthly fee ever, no minimum balance, and no direct deposit required
  • Earn your rewards by meeting 3 basic qualifications each month: 12 Debit Card Purchases, 1 Online/Mobile Login, and get statements electronically, that’s it!2
  • Earn cash-back or premium interest
  • Discounted rates on auto or personal loans with auto-pay
  • Up to $25 in ATM fees1 refunded each month
  • Free ATMs unlimited at Harvard FCU locations
  • 1,500 bonus points on a new Platinum Rewards or Platinum Rewards+MasterCard®
  • Free first order of checks

1. ATM surcharge refunds only apply to ATM’s located in the United States. 

2. Qualifications: Transactions and activities must post and settle during the Monthly Qualification Cycle in order to qualify, which may take one or more days from the transaction. “Monthly Qualification Cycle” begins on the final day of the prior statement cycle and runs through the day prior to the last day of the current statement cycle. Visit for specific Monthly Qualification Cycle dates.