General FAQs

How do I find my Account Number?

  • Needed For Direct Deposit or ACH Debit using a Checking Account:

    Items being processed using your checking account will require our routing number (275977832) and the 13-digit account number found on the bottom of your checks. Using the proper number will help ensure that your electronic deposits are made in a timely manner. If you are unsure if you are using the proper number please contact us and we would be happy to help.

  • Needed For Direct Deposit or ACH Debit using a Savings Account:

    Items being processed using your savings account WILL use your MEMBER NUMBER followed by the 2-digit suffix that corresponds to the savings account you wish to use. Using the proper number will help ensure that your electronic deposits are made in a timely manner. If you are unsure if you are using the proper number please contact us and we would be happy to help.

What is the routing number for Harbor Credit Union®?

The routing number can be found at the bottom of your checks on the left hand side, 275977832. You may be asked to provide this number to an employer for payroll direct deposits.

What is ACH?

Automated Clearing House (ACH) is an electronic network for financial transactions in the United States. ACH processes large volumes of both credit and debit transactions, which are originated in batches.

What is an ACH debit and credit?

ACH direct debit transfers include consumer payments on insurance premiums and other kinds of bills. Members typically set up ACH debits with the businesses or organizations they are trying to send a payment. Members are essentially giving the business permission to PULL funds from their accounts for payment. More and more members are choosing Online Bill Pay as an option to PUSH funds to make their payments. ACH CREDIT transfers include direct deposit of your payroll.

How do I change my address?

Your address can be updated securely from within Online Banking in Settings.

Is my deposit available immediately?

Cash deposits are entered and are available immediately. Checks may be subject to a hold. If that is the case, the teller would notify you of the amount and release dates.

How many times per month can I transfer funds from my savings? What is Reg D?

Do you treat your savings account like a checking account? It's tempting to keep the bulk of your funds in your HarborCU savings account and transfer funds only as you require. However, the number of electronic withdrawals and electronic transfers per month from your savings account is limited due to federal regulations. You are permitted up to 6 TOTAL of any combination of electronic savings withdrawal transactions per suffix within a calendar month. No more than 3 of the 6 transactions may be made by a check or debit card payable to third parties.

What accounts are affected by Regulation D?

Savings Accounts, Money Market Accounts, Certificate Accounts, Special Savings, Holiday Accounts

What types of transactions are subject to Regulation D?

Transfers between your accounts, Online Banking Transfers, Phone Banking Transfers, Target Source Transfers, Transfers done by a teller over the phone, internal transfer authorizations, and ACH debits. ATM card withdrawals and ACH credits (Direct Deposits) do NOT count as a Reg D transactions.

What is a Target Source?

A target source is a designated HarborCU account to draw upon in the event something happens. Most often used as a source to protect a checking account from Overdrafts. A target source can be another savings account or Kwik Cash Line of Credit.

What is Check 21?

Check Clearing for the 21st Century Act or "Check 21", allows financial institutions and customers to deposit, present, send for collection or return a paper reproduction of an original check, called a "substitute check". Check 21 was designed to improve the efficiency of the country's check clearing system by reducing costs and improving check clearing time.

How does Check 21 affect my account?

Images of the front and back of your checks are available to you, either via Online Banking free of charge or for a fee if assisted by our staff.  You are able to get a copy (front and back) unless the business/company converts their check to an electronic transaction by running it through one of the check scanner machines.  Then we are unable to get a copy of the check.  

What if there is an error when my check is converted to a substitute check?

Always review your statement for accuracy. If you find an error, notify your branch immediately and we will research your account and resolve any errors promptly.

Can I receive my statements electronically?

Yes, you can enroll via Online Banking by selecting eStatement from the Accounts menu option in the main navigation bar. Otherwise contact your local branch to arrange for this convenient option.

I am doing my taxes and I need some information. What can I expect?

1099 INT: These are postmarked by January 31st and are mailed to members who earn more than $10 in aggregate (based on SSN of primary member) dividends per year.

1099 R: These are postmarked by January 31st and are mailed to members who have an IRA who are currently taking a distribution. Any dollar amount of the distribution would trigger the mailing of this form.

1099-SA: These are postmarked by January 31st and mailed to members who have a Health Savings Account (HSA) who have taken any distributions during the tax year.

1098: These are postmarked by January 31st and are mailed to members who have paid MORE than $600 on any mortgage. If you have more than one mortgage loan with Harbor Credit Union® on which you have paid more that $600 interest, you will receive more than one 1098 form.

Fair Market Value Report: These are postmarked by January 31st and are mailed to members who have a Traditional or ROTH IRA. If members have both types of IRA accounts, they will receive one for each type of IRA. It shows the beginning of year balance, the December 31st balance, the earnings for the calendar year, and any contributions made during the year.

5498: These forms report contributions and fair market values to IRA owners and to beneficiaries of deceased IRA owners. If members have both a Traditional & Roth IRA, they will receive two forms--one for each type. 5498's are required to be postmarked by May 31st and mailed to each IRA owner and any beneficiaries of IRA owners that still have open IRA's with balances. Many members get confused, receiving this form AFTER the tax reporting deadline of April 15th. However, this form is meant to reflect all contributions made for the prior TAX YEAR, so it should also include any contributions members may have made up to and including April 15th for the prior TAX YEAR.

5498-SA: These are postmarked by May 31st and are mailed to members who have a Health Savings Account (HSA) who have made contributions to their account during the tax year or in the current year for prior tax year up to and including April 15th.

Online Banking: Under the Accounts navigation bar you have the option to select Year To Date Interest. This screen will show Year To Date Interest paid or earned on all of your credit union accounts. It will also show you information for previous year. Different kinds of accounts could have different tax implications. Please consult your tax advisor regarding the deductibility of interest.

Paper Statements or eStatements: Your December 31st statement reflects Year-To-Date dividends earned on all savings and certificate accounts and Year-To-Date interest paid on all consumer loan and mortgage loan accounts. Remember, dividends earned on IRA and Health Savings accounts are non-taxable. Your December 31st statement is a good document to keep with your tax records. Please consult your tax advisor regarding the deductibility of interest.

I am interested in getting a home equity loan through Harbor Credit Union®. Do I have to have my 1st mortgage through HarborCU in order to get a home equity loan?

If you have equity in your home a Harbor Credit Union® Home Equity Loan or Home Equity Line of Credit may be a good option for your lending needs even if your 1st mortgage is elsewhere. We can also help you with your 1st mortgage too.

Does Harbor Credit Union® offer Notary Service?

Yes, FREE Notary Service is available to all members.

Checking Accounts

How do I reorder checks?

You can reorder online with our partner Independent Printing or call us at (920) 431-6688.  We prefer that first time orders are ordered at one of our branch locations to ensure accuracy and proper setup.

How long does it take a check to clear?

That depends upon who you wrote it to, and when and where they deposit the check. Some checks can clear the same day you wrote them. As always, Harbor Credit Union® encourages you not to authorize any checks or payments against your account unless you have the money available in the account.

How do I place a stop payment on a check I have written?

If the check hasn't cleared your account, you can request a stop payment through Online Banking, by calling your branch, or visiting the branch in person. Be aware that if you don't visit an office in person, you will still need to sign the stop payment form within 14 days. We will send the completed form for you to sign and return.

Phone Banking

What is the phone number?

In the Greater Green Bay area call (920) 431-6692, outside the calling area the number is (800) 546-4279.

How does your Phone Banking work?

Our 24 Hour Phone Teller allows you to get information about your accounts any time. When you call, please have your member number and the PIN available.

How do I change my PIN?

You can change your PIN by selecting that option using Phone Banking once you are signed on. You may also change it via Online Banking. Highlight Option on the main menu bar and select Member Options. You will be able to update your PIN here. Changing your PIN will affect BOTH Online Banking and Phone Banking. We can also help you change your PIN at your local branch.

Online Banking and Bill Pay

How much does Online Banking and Bill Pay cost?

Both services are free. Bill Pay requires a HarborCU checking account.

How do I enroll for Online Banking?

Contact your local branch to arrange for this convenient option.

I cannot remember my logon information. What do I do?

Contact your local branch to have your password and/or your challenge questions reset.

How much transaction history can I view online?

24 Months.

How do I change my PIN?

You can change your PIN by selecting that option using Phone Banking once you are signed on. You may also change it via Online Banking. Highlight Option on the main menu bar and select Member Options. You will be able to update your PIN here. Changing your PIN will affect BOTH Online Banking and Phone Banking. We can also help you change your PIN at your local branch.

I am locked out. How can I get back on?

Contact your local branch to have your password and/or your challenge questions reset.

How do I view an image of a check online?

There will be a link that includes the check number in your account history. Clicking on this link will bring up an image of the front and the back of the check of any check that cleared your account within the last 6 months.

Can I make loan payments online?

Payments can be made to many of your HarborCU loans through the Online Banking Account Transfer feature. To make payments on your loans at any other financial services provider use our free Bill Pay Service.

I am still having trouble with Online Banking or Bill Pay?

Try visiting our Online Banking Help section of this website. Otherwise contact your local branch.

Visa Check Card

What is the Daily Limit on my Visa Check Card / Debit Card?

You can withdraw up to $310 in cash and surcharge fees daily from cash machines as long as the money is available in your account, and you may purchase up to $1000 every 24 hours and weekends. Daily limits may be adjusted according to member needs. Because some transactions may not clear right away, be sure that you have enough on deposit to avoid any NSF or Overdraft fees.

Why is my Check Card not working?

If you recently got a new or reissued card (new expiration date) did you activate your card? If not you can call 1-800-757-9848 to activate.

Do you have the funds in your account?

Is the item(s) you are trying to purchase over the daily limit ($1,000 for credit and $310 for debit)? If so you would need to contact us.

What is the difference between selecting DEBIT or CREDIT when using my Visa Check Card?

When selecting DEBIT you will be prompted to enter your PIN. The funds for your purchase will come out of your checking account and the transactions on your statement will list the address of the business where you made your purchase.

When selecting CREDIT you will be prompted to sign for the transaction in most cases. The funds for your purchase will come out of your checking account and the transactions on your statement will list the name of the business where you used your card. Some businesses are NOT requiring a signature. These are also processed as a CREDIT transaction.

Is there a liability difference between selecting DEBIT or CREDIT?

Visa Zero Liability Is For Signature (CREDIT) based transactions.

With Visa's Zero Liability policy you are protected from all unauthorized transactions on your card. Visa's Zero Liability policy does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. For more information on Visa's Zero Liability policy click here .

For all other transactions not covered by Visa's Zero Liability policy your liability is as follows: if you tell us within two business days that your card/code has been lost or stolen, you can lose no more than $50 if someone used your card/code without your permission. If you do not tell us within two business days of your loss or theft of your card/code, and we can prove we could have stopped someone from using your card/code without your permission had you told us, you could lose as much as $500.

Are all merchants required to get an approval or authorization code before accepting my Visa Check Card?

Merchants are not required to call for an authorization each time they accept your card. It is the responsibility of the cardholder to maintain adequate funds in the account for all purchases.

Where can I get cash with my Visa Check Card Card?

You can use any Harbor Credit Union® ATM or any Alliance One ATM without being charged an ATM terminal fee. You can also ask for cash back when you use your Debit card at most merchants.

Where can I find a no-surcharge ATM I can use with my Harbor Credit Union® Visa Check Card?

ATMs at Harbor Credit Union® locations do not have a surcharge for members. The credit union is also part of an organization to give our members more access to No Surcharge ATMs Nationwide with Alliance One. Alliance One, is a nationwide cooperative group of credit unions, community banks and thrifts that have joined forces to let their cardholders access each others' ATMs all over America without having to pay ATM surcharge fees. Alliance One gives you the power to access your money on your own terms. Using any one of the convenient ATMs in 44 states and territories, you can access your accounts without being charged a foreign ATM fee. There are more than 4,500 participating ATMs nationwide - several in Green Bay and the surrounding communities. You can use the following link http://www.atmallianceone.org to find one near you.

Can I use my Visa Check Card outside the U.S.?

Yes, in many cases you can, but notify your local branch before you go so that your card will work, even in Canada. Some countries don't have secure networks, and for security you will need to give us some information about your travel plans before you use your card outside of the country. We always recommend that you have at least one credit card available to use for secure transactions during international travel.

I got charged twice for one transaction on my debit card, what should I do?

First contact the merchant regarding the error. It may be a good idea to document who you talked to and when. If the error is not resolved, notify your branch providing them with the transaction date, name of the merchant, the dollar amount, copy of your receipt and any other information that may be helpful to resolve the problem.

What happens if my card is lost or stolen?

Call the appropriate number immediately then follow up with your branch as soon as possible. They will work with you to determine if you need to close your checking account.

Visa Check Card or HSA:

U.S. Calls 1 (800) 472-3272 (anytime including holidays)

Credit Card: 1 (800) 808-7230

Can I customize my PIN number?

Yes, you can customize your PIN. When you receive your new card, a few days later you will receive a mailer with your PIN. You can use the 800# printed on the mailer or use any HarborCU ATM to change your PIN.

My card is expiring soon. When will I receive my new card?

VISA Check Card: Your card is good through the month displayed on the card. If your card expires 06/09, it is good through the end of June 2009. Your new card is processed around the 15th of the previous month, so you should receive your card 7-10 business days thereafter.

Credit Card: Your new card should arrive around the 20th of the month it is going to expire.

eStatement FAQ

What information is available through HarborCU's eStatement program?

Your eStatements will contain the same information that you are use to receiving on your paper statements.

How much does HarborCU's eStatement program cost?

There is no charge for our eStatement program.

How do I sign up for eStatements?

It's easy to enroll. Sign into Online Banking -- on your Accounts Details screen you'll see a link for Online Statements where you can enroll and view the latest statement available. Once you have signed up, you will receive an email notification at the beginning of the month when your statement is ready.

Is my eStatement account information protected from others viewing it?

Your information is protected with the latest security features and requires a password, that only you will know, to access the information. HarborCU's eStatement program also uses 128-bit encryption security to ensure that your private information stays private.

How do I view my eStatement?

You can access your eStatement at anytime by signing onto our Online Banking service and selecting the eStatement option on the Accounts tab. This service has been integrated with our Online Banking service to provide you seamless access - a one stop shop for all of your HarborCU account information.

What if I accidentally delete my email notification that my statements are ready? Can I still view them?

Even if you delete the email notification you can access your eStatements via Online Banking

What if I no longer want to receive my statement electronically? How do I stop receiving eStatements?

You can switch back to the paper version of your statements at any time. Contact a credit union representative by phone at (920) 431-6688 or toll free at (800) 827-4645 and ask to change your statements back to paper.

Can I have my eStatement email notification sent to two different email addresses?

We can only send your eStatement notification to one email address; however, you can access your statements via any computer with Online Banking.

How can I get a paper copy of my statement?

You can print any statement or notice from your library of available statements and notices. If you would like to print a copy, there are three different options to do so:

Selecting File/Print from the menu bar at the top of the eStatement screen;

Clicking on the Printer-Friendly Text Only View option under the masthead; or

Clicking on the Download Statement as PDF file option under the masthead

(NOTE: With options #1 and #2 you may have to adjust your printer margins the first time you print by selecting File/Page Setup from the menu bar and setting the left and right margins to .25 each)

You may also request a paper copy of your statement any time for a low fee per statement by calling the credit union.

Can joint members sign the enrollment form for eStatements?

For privacy reasons, only the primary member can sign an account up for eStatements.

Will I automatically get my credit card statements via eStatements if I enroll my account?

Monthly credit card statements are not available at this time.

How do I notify the credit union of my new email address?

You can change your email address once you are logged into the eStatement service by clicking the "View Account Information" link. There is an area on this that page to modify your email address.

When, during the month, will my eStatement be available online for my viewing?

Your eStatement will be available approximately the first week of the month.

How long will the statement remain 'online'?

New statements will be added after your initial enrollment and will be stored for online viewing for 18 months.

Check Image FAQ

What are Online Check Images?

Online check imaging allows you to view front and back images of your checks. No more waiting for check copies you have requested.

What are the benefits of Online Check Images?

  • Added online convenience
  • Ability to view the front and back of your cleared checks
  • No more waiting for requested check copies
  • Print check images online
  • View up to twelve months of check images

Is there a charge for this service?

No. Online Check Images are FREE and offered to those that are enrolled in either of our eStatement or Online Banking services.

Will this affect the information I currently receive in my statements?

No. Online Check Images are provided within the eStatement as an additional service to you. This will not change the information you currently receive in your statements or through Online Banking. However, your statements will be provided to you online rather than via the mail.

Do I have to open a certain type of account or use special checks to receive check images online?

No. Online Check Images are available for all credit union checking accounts and does not require any special checks for imaging.

Can I view checks that were posted before my current statement?

Yes. You will have the ability to view Check Images from past statement cycles by using a "view checks not listed" feature. Images within Online Banking are available for up to 12 months.

Is it safe to view Check Images online?

Yes. The safety of your records is of utmost importance to us. Online Check Images are only available through a secure transaction area using the User ID and Password known only to you. Online Check Images are a secure way for you to view your checks online.

Does the image show the front and back of my check?

Yes. Both the front and back of the check are presented for viewing.

Are Check Images acceptable as legal documents?

Yes. Online Check Images are accepted as valid proof of payment by local, state and federal branches of government. They are also accepted by the IRS and the courts.

How do I sign up for online check imaging?

Online Check Images are FREE and offered to those that are enrolled in either of our eStatement or Online Banking services.

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