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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
Just look at all the Advantage Club benefits: Maintenance fee’s waived, Free Advantage Club checks or 50% off of any other check order. Free money orders, official bank checks and traveler’s checks. Complimentary notary service, Free photocopies, Discounts on the annual fee for one Safe Deposit Box, Bonus rate coupon for a Certificate of Deposit, Informational seminars, Trips & Tours-attend exciting day, weekend and extended trips and tours at substantial savings, Quarterly newsletter, Peace of mind. To qualify you need to maintain a minimum of $25,000 with any combination of Harvard Savings Bank deposit accounts.
A sensible account for small businesses that are looking for simplicity, affordability and automated cash management. Features: No balance requirements, No monthly service fees, 500 FREE Transactions per month, (any combination of deposits or check entries), FREE Online Banking & Bill Pay, e-Statements, Overdraft Protection, Transfer option, FREE MasterCard Check Card, First order of wallet or three-on-a-page checks are FREE, or receive a $100 credit towards any other Business Check order, Merchant card services available, Currency and coin services provided at no charge, EZ-Bank 24-hour telephone banking system. *limitations apply
|Features||Free Business Checking||Business Lifetime Checking||Business Gold Premier Money Market|
|Opening Deposit Requirement||$100||$700||$5,000|
|Monthly Service Fee||$0||$10||$10|
|Minimum balance to avoid service fee||$0||$700||$5,000|
|Check Printing||First order of wallet or three-on-a-page checks are FREE, or receive a $100 credit towards any other Business Check||FREE first order||FREE check orders, always|
|Unlimited Check Writing|
|Online Banking & Bill Pay||FREE||FREE||FREE|
|Free Debit Card|
|Harvard Savings Bank Visa Credit Card|
|Overdraft Protection Transfer|
|Free Cashiers Checks/Money Orders|
|Additional Account Information||500 FREE Transactions per month (any combination of deposits or check entries). Merchant card services available. Coin and Currency services available at no additional charge.||Merchant card services available. Coin and Currency services available at no additional charge.||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. Merchant card services available. Coin and Currency services available at no additional charge.|
|1. Tiered rates 2. Up to $10 refunded in the statement cycle if the requirements are met. Merchant card services available. Currency and coin services available at no charge.|
A sensible account for small businesses that are looking for simplicity, affordability and automated cash management.
With a Visa credit card you will receive service from people you know. If you have a problem, simply give us a call or stop in. When was the last time you had face-to-face contact with your credit card company? We thought so! Plus, you can conveniently make your payments at your local branch, online or through the mail—whichever is most convenient for you.
Our industry leading consumer credit card products offer competitive pricing combined with a full range of reward options – making it easy to select and apply for the card that meets your needs.
Visa® Business Bonus Rewards Card
* The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25 points)
**The 50% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.5 points)
Late payments and going over the credit limit may damage your credit history
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!
Access your online banking account (for Harvard Savings Bank Customers Only). CLICK HERE
Forgot your password? You can reset it here: CLICK HERE
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: