Why College Life?

Harvard Undergrads get the best financial services at their very own Credit Union. The Harvard University Credit Union’s College Life Account features loads of great perks and services. Check out the benefits!

Your College Life Account comes with some great perks!

  • Free checking with your choice of reward: Choose the Cash-Back option to earn 3% cash-back on your debit card purchases up to $10 every month. Choose the Premium Interest option to earn a 3.00% APY on balances of up to $10,000.
  • Free nationwide ATMs: Use any Harvard FCU or SUM program ATM completely free. If you get charged a fee for using another bank’s ATM, we’ll reimburse you up to $25 per month¹
  • Free incoming wires
  • Free first order of checks
  • Free pass on three incidental fees2, including:

Stop Payments
Late Payments
International Card Usage
ATM/Debit Card Replacement
Statement or Check Copies
Deposited Item Returned
Money Orders

  • Convenient branch location in Harvard Square
  • Debit Card: Contactless and digital wallet ready (Apple Pay, Google Pay, Samsung Pay)
  • Mobile App: Pay people with Zelle®; Free FICO sore access; Mobile Deposits

But wait…there’s more!


Harvard FCU Blog

Get timely tips and insight on financial issues that may impact you as a student on our Harvard FCU blog.


Financial Education & Workshops

Through our workshops, online tools, and branch resources, we’re committed to the financial education of our members.

Free Financial Counseling icon

Free Financial Counseling

Through Harvard FCU’s partnership with GreenPath Financial Wellness, you’ll have access to free financial counseling.

Ready to get started?

See what students are saying about Harvard FCU!

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1. Refunds will be credited to checking account at the beginning of each month. Domestic U.S. ATMs only.
2. Expire when account is migrated to a non-student checking option post-graduation.