"Bank Where You're Known"
AUGUST 1, 2016 — As the president of The State Bank Group, I want to welcome the customers of Harvard Savings Bank. As of August 1, 2016, The State Bank Group officially acquired certain assets of Harvard Savings Bank.
This acquisition combines two banks that share a lot of common values when it comes to personalized service, commitment to the customer and community involvement. We have always believed in developing banking relationships to stand the test of time and create positive outcomes for businesses, homeowners, families and individuals.
Combining The State Bank Group with Harvard Savings Bank allows for the collective customers of each bank to benefit from additional products, services, and locations to better meet the needs of our customers and communities. The long-standing histories of both The State Bank Group and Harvard Savings Bank combine to over 100 years of institutional strength and community foundation.
The State Bank Group has six McHenry County locations. Combined with Harvard Savings Bank, there will be nine locations to better serve our customers:
As always, familiar faces and caring professionals will be ready to assist you and answer your questions.
Harvard Savings Bank locations will continue to run their current banking system until approximately the spring of 2017.
In the meantime, all bank customers can conduct transactions at any of the collective banking locations listed above. There will be no need to immediately change account information.
Additionally, Harvard customers can use the ATMs of The State Bank Group and vice-versa and any ATM fees for using either bank’s ATMs will be waived.
Some of the State Bank Group’s products and services will be available immediately to Harvard Savings Bank customers and others will become available once the banks’ systems are fully merged, The State Bank Group looks forward to having Harvard Savings Bank customers enjoy a greater range of benefits:
All deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000. Please refer to our website at thestatebankgroup.com for more information to address more detailed questions about the acquisition and banking transactions. We also encourage you to speak with our banking professionals. Thank you to all our customers and we will be working hard every day to ensure your banking experience is superior and that we deserve your continued business. Watch for details in the future as we make positive and exciting enhancements for you.
Available to Harvard Savings Bank Customers Only. Questions? Please Read New Customer FAQs
Fixed or Variable Rates, Flexible Payment Terms for all your business needs.
Fixed Rates Flexible Payment, Terms for all your equipment needs.
Fixed Rates, Flexible Payment Terms for buying, building, expanding or refinancing real estate.
We can help you establish or expand your business with longer-term, more affordable loans guaranteed by the Small Business Administration. These loans are well-suited to small and medium sized businesses and allow for the longest term or repayment possible.
Fixed or Variable Rates, Flexible Payment Terms for all your production and farm uses, purchase machinery and other farm equipment, or buying, building, expanding or refinancing land and improvements.
Contact a personal banker to learn about loan product and current rates.
Today is the day to cut the clutter and simplify your life with e-Statements.
e-Statements are the fastest and most convenient way to receive your monthly checking account statement, and best of all e-Statements are FREE. We will notify you with an email when your e-Statement is available online so you can view, print or save your statement.
Call TOLL-FREE 877-816-0487
EZ Bank Automated 24-hour Account Information Line gives you access to your accounts TOLL-FREE, 24 hours a day, 7 days a week, 365 days a year from any touch-tone phone.
FIRST TIME USERS: When prompted for your 4-digit security code -- enter the last 4 numbers of the Primary account owner's social security number and you will be prompted to select a NEW four digit security code. This NEW security code is the one that you will use for all future inquiries for this account.
Harvard Savings Bank Online Banking, it’s fast, easy & free!
See for yourself!
If you have a wire transfer sent to your account at Harvard Savings Bank, you will need to contact the bank directly. Please call 815-943-7000.
|Facts||WHAT DOES HARVARD SAVINGS BANK DO WITH YOUR PERSONAL INFORMATION?|
|Why?||Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.|
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice.
|How?||All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Harvard Savings Bank chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information.||Does Harvard Savings Bank share?||Can you limit this sharing?|
|For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus||Yes||No|
|For our marketing purposes - to offer our products and services to you||No||No|
|For joint marketing with other financial companies||Yes||We don’t share|
|For our affiliates’ everyday business purposes - information about your transactions and experiences||No||We don’t share|
|For our affiliates’ everyday business purposes - information about your creditworthiness||No||We don’t share|
|For nonaffiliates to market to you||No||We don’t share|
|Questions?||Call 815-943-5261 for Harvard Savings Bank|
|Who We Are|
|Who is providing this notice?||Harvard Savings Bank|
|What We Do|
|How does Harvard Savings Bank protect my personal information?||
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
|How does Harvard Savings Bank collect my personal information?||
We collect your personal information, for example, when you:
We also collect your information from others, such as credit bureaus, affiliates, or other companies.
|Why can’t I limit all sharing?||
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing.
Companies related by common ownership or control. They can be financial and non-financial companies.
Companies not related by common ownership or control. They can be financial and non-financial companies.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|Other Important Information|
For Illinois Customers: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing purposes without your authorization.
With Overdraft Protection Transfer, we will use your own money to protect your checking account from overdrafts. We will automatically transfer money from your Harvard Savings Bank and Loan savings account or deposit account to your checking account in order to protect your checking account from an overdraft.
Here’s how it works:
THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THIS SITE.
This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control. From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page. The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law. The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, expressed and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.
Direct Deposit is a safe and easy way to have funds deposited directly into your Harvard Savings Bank accounts. Here are a few reasons to take advantage of this service:
Please contact the organization that issues the check for their direct deposit form. Fill it out completely using the Harvard Savings Bank routing number (271972103) and your respective account number. If you need assistance filling out the form, please stop by any of our offices.
For Direct Deposit of your Social Security payments, you can contact the Social Security Administration directly at 800-772-1213 or go to www.socialsecurity.gov.
|Features||WOW Rewards Checking||Lifetime Checking||Basic Checking||Gold Premier Money Market|
|Opening Deposit Requirement||$100||$700||$200||$5,000|
|Monthly Service Fee||$0||$10||$0||$10|
|Minimum balance to avoid service fee||$0||$700||$0||$5,000|
|Check Printing||FREE first order||FREE first order||FREE first order||FREE check orders, always|
|Unlimited Check Writing|
|Foreign ATM Surcharge fees returned||up to $10 per month|
|Online Banking & Bill Pay||Free||Free||Free||Free|
|Free Debit Card|
|Overdraft Protection Transfer|
|Free Cashiers Checks/Money Orders|
|Account Requirements||Fifteen (15) signature based debit card transactions and one (1) direct deposit each statement cycle to receive premium interest rate and ATM refunds||Six total withdrawals per statement cycle. A fee of $5 will be assessed for each check in excess of six during the statement cycle. Unlimited over-the-counter withdrawals.|
|Interest Rate and **APY (Annual Percentage Yield) are variable and subject to minimum balance requirements, tiered rates and subject to change at any time. Rate sheets are available upon request. Fees could reduce earnings. Up to $10 refunded in the statement cycle if the requirements are met.|
The best rewards are those that are easy to earn! With WOW Rewards Checking, get paid a higher interest rate by using your debit card and having a direct deposit! Features: No minimum balance requirement, No monthly maintenance charge, Earn APY* on balances up to $15,000 AND receive up to $10 ATM Refunds nationwide when you have 15 signature based debit card transactions and 1 direct deposit each statement cycle. Unlimited check writing, First order of 50 printed checks FREE, FREE e-Statements, Overdraft Protection, Transfer option, FREE Online Banking & Bill Pay, MasterCard Debit Card, EZ-Bank 24-hour telephone banking. $100 to open. Fees may reduce earnings. See banker for complete account details.
*To receive stated annual percentage yield and up to $10 in ATM Refunds nationwide, you must meet the following qualifications each monthly statement cycle: 1. Make 15 signature-based (non-PIN) point of sale (POS) purchases that post to your account during the monthly statement cycle with your HSB MasterCard Debit Card, 2. Receive a minimum of one direct deposit to your account during the monthly statement cycle. If you do not meet the qualifications during the monthly statement cycle, your account will still function as a basic checking account with an interest rate on all balances and you will not receive ATM refunds for that statement cycle. Fees could reduce earnings. Qualifying transactions must post and clear to the account during the monthly statement cycle.
Ideal for those who want convenience & interest! Tiered interest rates–the more money you have in your account the more interest you will earn! Features: No monthly maintenance charge,* Unlimited check writing,* First order of 50 printed checks FREE, FREE e-Statements, Overdraft Protection, Transfer option, FREE Online Banking & Bill Pay ,MasterCard Debit Card, No Fee single-signature traveler’s checks, EZ-Bank 24-hour telephone banking, $700 to open. *If your balance falls below $700 within the monthly statement cycle, the account will be assessed a $10.00 charge plus $.25 per check over 10 for that monthly period. Fees could reduce earnings.
|Balance to Maintain APY*||Minimum Deposit to Open**|
|$0.00 to $999.99||$700|
|$1,000.00 to $9,999.99||$700|
|$10,000.00 to $24,999.99||$700|
|$25,000.00 to $74,999.99||$700|
|$75,000 or more||$700|
**If your balance falls below $700 within the monthly statement cycle, the account will be assessed a $10.00 charge, plus $.25 per check over 10 for that monthly period. Fees could reduce earnings.
Convenient and worry-free checking! Features: No minimum balance requirement, No monthly maintenance charge, Unlimited check writing, First order of 50 printed checks FREE, FREE e-Statements, Overdraft Protection, Transfer option, FREE Online Banking & Bill Pay. MasterCard Debit Card, EZ-Bank 24-hour telephone banking, $200 to open.
Every check order is FREE, FREE Online Banking & Bill Pay, e-Statements, MasterCard Debit Card, EZ-Bank 24-Hour Telephone Banking, Free single party travelers checks, and Free money orders, bank checks and cashiers checks.
|Balance to Maintain APY*||Minimum Deposit for Open**|
|Up to $4,999.99||$5,000|
|$5,000.00 to $24,999.99||$5,000|
|$25,000.00 to $49,999.99||$5,000|
|$50,000.00 to $99,999.99||$5,000|
|$100,000.00 to $174,999.99||$5,000|
|$175,000 or more||$5,000|
*Annual Percentage Yield
***If the balance falls below $5,000 during the monthly cycle an $10.00 service charge will be assessed to your account.
Bill Pay Customer Support Line: 855-723-2228