Welcome Harvard Savings Bank Customers

Welcome to the State Bank Group
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Harvard Savings Bank 58 North Ayer, Harvard, IL
Harvard Savings Bank 1400 North Division, Harvard, IL
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We've Grown to Serve You Better!
Harvard Savings is now a part of The State Bank Group
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The State Bank Group becomes Bigger and Better!
• Personal Service by the Friendly Faces You Have Come to Know and Trust
• Convenient Access at 8 Locations
• Access to Additional Products and Services
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Harvard Savings Bank Customers

Login to Online Banking

Access your online banking account (for Harvard Savings Bank Customers Only). LINK

Online Banking Enrollment

Sign up for online banking (for Harvard Savings Bank Customers Only). ENROLL NOW

E-Statements

For non-online banking customers (for Harvard Savings Bank Customers Only). LINK

Welcome Harvard Savings Bank Customers

A Message from the President of The State Bank Group

A State Bank Group Banking ServiceAUGUST 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:

  • Digitally advanced banking services for consumers and businesses online and through mobile apps, including the ability to deposit checks via smart phone or tablet
  • BaZing retailer promotions and savings combined with additional features such as identity theft protections, roadside assistance and cellular phone replacement protection
  • Expertise in commercial, construction, mortgage and agricultural lending
  • Cash management services for businesses, including ACH origination, remote deposit, direct deposit for payroll processing
  • Robust merchant services allowing business customers to accept credit and debit cards in their business establishment and accept payment via the internet in a variety of different ways
  • Forthcoming instant issue debit cards which eliminate the wait time to receive card and PIN in the mail, and allows customers to leave the bank with a fully-functioning, active payment card

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.

Sincerely,
Stephen J. Mitchell
President

New Customer Questions? Please Read New Customer FAQs

 

Banking Services for Harvard Savings Bank Customers

Available to Harvard Savings Bank Customers Only. Questions? Please Read New Customer FAQs

Advantage Club

A State Bank Group Banking Service 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.

Business Checking

A State Bank Group Banking Service 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
Earns Interest   checkmark checkmark
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   checkmark  
Online Banking & Bill Pay FREE FREE FREE
Free e-statements checkmark checkmark checkmark
Free Debit Card checkmark checkmark checkmark
Harvard Savings Bank Visa Credit Card checkmark checkmark checkmark
Overdraft Protection Transfer checkmark checkmark checkmark
Free Cashiers Checks/Money Orders   checkmark checkmark
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.

 

Lost or Stolen MasterCard Debit Card: 800-554-8969

Reorder Checks thru Deluxe: 877-838-5287, LINK

 

Free Business Checking

A sensible account for small businesses that are looking for simplicity, affordability and automated cash management.

Features:

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  • 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

Learn More

Visa Credit Card

A State Bank Group Banking Service 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.

Learn More or Apply Now

Enroll In Credit Card Account Access, Click Here

To View or Pay Your Credit Card Bill Online, Click Here

VISA CREDIT CARD OPTIONS

Visa® Business Bonus Rewards Card

  • Get 25% more on all points earned every month, automatically*
  • No caps or limits on points earned
  • $25 cash back with your first purchase

Visa® Business Bonus Rewards PLUS Card

  • Get 50% more on all points earned every month, automatically**
  • No caps or limits on points earned
  • $50 cash back with your first purchase<

Visa® Business Platinum Card

  • Our best introductory APR offer
  • Save on interest and pay down your other credit card balances faster

Visa® College Rewards

  • For college students
  • Earn 1 reward point for every $1 in net purchases
  • Receive 1,000 bonus rewards points with your first purchase
  • Low rates and manageable credit lines

Visa® Secured Card

  • Improve your credit
  • Low annual fee
  • Flexible credit lines based on a security deposit ranging from $300 to $5,000

* 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

Business Loans

Business Operating Lines of Credit:

Fixed or Variable Rates, Flexible Payment Terms for all your business needs.

Business Equipment Loans:

Fixed Rates Flexible Payment, Terms for all your equipment needs.

Business Real Estate & Construction Loans:

Fixed Rates, Flexible Payment Terms for buying, building, expanding or refinancing real estate.

Small Business Administration Loans (SBAs):

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.

Agriculture Loans: Production Lines of Credit, Term Loans, or Real Estate Loans:

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.

Verne Sisson, Vice President

Harvard Savings Bank:
Agricultural Loans and Commercial Lender, Email

Brenda Gratz, Vice President

Harvard Savings Bank:
NMLS# 485160, Fannie Mae & Residential Mortgage, Email

E-Statements

A State Bank Group Banking Service 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.

e-Statements Benefits

  • Free and secure
  • View and print up to 18 months of statement history
  • Keep all of your e-Statements in one safe and secure location-great for record keeping and tax preparation!
  • Access with or without online banking services View check images-view and print images of your checks
  • Available for both personal and business accounts

How to Enroll

  • Online Banking Users: Click here to login into your Harvard Savings Bank Online Banking account
  • Click to view any checking account
  • On the left side panel you will see a tab “e-Statements”, click this tab
  • Follow the easy on-screen instructions to enroll
  • When your statement arrives, you will receive an email notification to log into your online banking account-just click the e-Statements tab to find your new monthly statement

Non-online Banking Users

  • Enrollment for non-online banking customers (for Harvard Savings Bank Customers Only) CLICK HERE
  • Complete the easy on-screen instructions to enroll
  • When your statement arrives, you will receive an email notification with a link to access your statements.
  • Click on the link, enter your User Name and Password to find your new monthly statements, go to our web site
  • click on the e-Statements tab and enter your User Name and Password

 

EZ Bank

A State Bank Group Banking Service 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.

  • Obtain current account balances
  • Review current interest rate information
  • Review your last ten checks
  • Review your last ten deposits and withdrawals
  • See if a specific check has been paid
  • Transfer funds between accounts
  • Place a stop payment

    Harvard Savings Bank Online Banking

    A State Bank Group Banking Service Harvard Savings Bank Online Banking, it’s fast, easy & free!

    See for yourself!

    Harvard Savings Bank Online Banking Enrollment

    • Secure access to accounts: anytime, anywhere.
    • Easily transfer money between your accounts, and to friends and family.
    • Receive customized alerts to help stay on top of your account activity.
    • Save time when you use Bill Pay. It's an easy, fast and secure way to pay your bills.
    • View credit card account activity, pay your bill online and more.

    CLICK HERE to Enroll now!

    Login to Harvard Savings Bank Online Banking

    Access your online banking account (for Harvard Savings Bank Customers Only). CLICK HERE

    Harvard Savings Bank Online Banking Password Reset

    Forgot your password? You can reset it here: CLICK HERE

    Wire Transfers

    A State Bank Group Banking Service 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.

    Personal Information & Privacy Protection Policy

    Facts A State Bank Group Banking ServiceWHAT 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.
    What?

    The types of personal information we collect and share depend on the product or service you have with us. This information can include:

    • Social Security Number
    • Account Balances
    • Overdraft History
    • Credit History
    • Transaction History
    • Payment History

    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:

    • Open an account
    • Apply for a loan
    • Show your Driver’s license
    • Give us your wage statements
    • Request a wire transfer

    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
    • sharing for affiliates’ everyday business purposes – information about your creditworthiness
    • affiliates from using your information to market to you
    • sharing for nonaffiliates to market to you

    State laws and individual companies may give you additional rights to limit sharing. 
    See below for more on your rights under state law.

     

    Definitions
    Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
    • Harvard Savings Bank has no affiliates.
    Nonaffiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
    • Harvard Savings Bank does not share with nonaffiliates so they can market to you.
    Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
    • Harvard Savings Bank have no joint marketing agreements.

     

    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.

    REV. 4-2015

    Overdraft Protection Transfer

    Avoid paying an overdraft fee and the embarrassment of returned checks!

    State Bank Group Banking Logo 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:

    • We link your savings, money market or another checking account to your Primary checking account.
    • If you overdraw your Primary checking account, we transfer available money from your deposit account to your checking account to cover the overdraft.
    • There is no limit to the number of checks presented in a day; as long as the money is available in your deposit account, we’ll transfer the money to cover the overdrafts.
    • The cost is $10 per transfer when an overdraft occurs.