Personal Banking

Checking

HVB offers a variety of checking accounts to meet each customer’s individual needs. All of our checking accounts feature:

• FREE first order of checks
• FREE Visa debit card
• FREE online banking
• FREE mobile banking*
• FREE telephone banking
• Free 3x5 safe deposit box rental for first year.**
• SURCHARGE-FREE ATM withdrawals at any HVB ATM or all Wawa locations.

*Mobile banking is provided at no charge by HVB. Check with your phone service provider for additional text messaging or phone charges.
**Subject to availability

**Some restrictions may apply.

HSA Accounts

Be prepared for upcoming medical expenses with an HSA account. This specialized account is available to individuals enrolled in a high-deductible health plan.

Our HSA accounts offer:

• No monthly service charge
• FREE first order of checks
• FREE Visa debit card

HSA Benefits

• HSA contributions by eligible individuals are tax-deductible.*
• Employer contributions to your HSA are excluded from income.*
• Earnings on your HSA are tax deferred.*

*Consult your tax advisor.

Contact Us for more information

Savings

HVB offers a variety of savings accounts to meet each customer’s individual needs. 

¹ Holiday club checks are issued on an annual basis in October of each year. Vacation club accounts are issued on an annual basis in April of each year. Club savings accounts will automatically renew on an annual basis. No withdrawals from this account are permitted.

Money Market Accounts

With our Money Market Accounts, you earn a higher rate of interest, plus have the option to write occasional checks.

Our Money Market Accounts offer the following advantages:

• The more you save, the more you earn. Our tiered interest rate and annual percentage yield (APY) increase as your balance grows.
• Avoid the monthly service fee by maintaining the minimum daily balance.
• FREE first order of checks
• FREE debit or ATM card
• SURCHARGE-FREE ATM withdrawals at any HVB ATM or all Wawa locations.

Certificates of Deposit

Whether you are saving up for your retirement or just looking for an investment until you find the right use for your savings, a HVB CD could be the answer. You can choose from a variety of terms ranging from 91 days to 120 months. Simply select the length of time you want to invest, and let us take care of the rest.

Student Banking This special package of products and services is idea for students who are graduating from high school and starting their college education. It’s designed to meet their needs while in school and after graduation.

Features

• Free Varsity Checking Account
• No Minimum Balance Requirement, for full-time undergraduate or graduate students, including high school seniors preparing for further education
• Free Supply of Checks. Your first order of special duplicate checks is provided free of charge. You can also choose from additional styles and designs at standard pricing.
• Check Truncation. This is an added security feature that helps prevent the growing problem of Identity Theft, especially where cancelled checks with personal information could be lost or stolen in a college dormitory.
• Free VISA Debit Card
• Surcharge Refunds. We’ll reimburse you for up to four ATM surcharges per statement cycle if you can’t locate a free ATM. The refund appears on your monthly statement immediately after the ATM transaction is posted.*
• Account Ownership. Accounts can be opened in the student’s name; however, we recommend a joint account with a parent so they can deposit, transfer, or withdraw funds when the student is away at school. After graduation the parent can be removed from the account with their written authorization.
• Free Internet Banking with Optional Bill Pay. This allows students to manage their finances whether they are at home or at school…And the optional Bill Pay feature allows the student to make payments without having to keep a supply of checks at school. We can also arrange for parents to transfer funds between accounts via internet banking if the account was opened jointly.

*Refunds cannot be accumulated for future use.

School Savings

Rookie Savings

With a Rookie Savings account, kids learn how easy it is to save. They can watch their balance grow with every deposit and as interest is posted to their account every quarter.

A Rookie Savings account can be opened with as little as $1. There is no monthly service fee and interest is paid on balances of $1 or more. The account features two great incentives:

• Good Grades Bonus. Kids can earn $1 for each "A" (or "A" equivalent) awarded in an academic subject up to $5 per marking period.²
• Family Account Bonus. We’ll add $5 to your child’s account when a household member (who is not a current HVB customer) opens a new HVB checking account with at least $250.00.²
• To set up a Rookie Savings account, visit your local branch or contact us.

² Good Grades Bonus may not be awarded retroactively for grades earned prior to the account being established. Family Account Bonuses are limited to one bonus per qualified household member. Bonus will be deposited to your account within 30 days of presentment of report card, after each marking period end (maximum 4 marking periods per school year). Actual earnings will vary based on current Annual Percentage Yield (APY) and deposit balances for 12 months. See Current APY for this product. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. Bonuses may be subject to additional terms and limitations and are subject to change at any time. 

Safe Deposit Boxes

*2x5 box only available at our Warrington Branch

Whether buying your first home, refinancing your existing home or taking advantage of the equity you've earned, HVB has what you're looking for. And now you can enjoy the ease and convenience of applying for a home loan online.

Residential Mortgage

HVB NMLS ID 456902
As a financial institution with deep roots in the community, we understand how important home ownership is to our customers. Our mortgage programs feature:

• Various terms available.
• Fixed rate and adjustable rate loans.
• Borrowing for purchase or refinance.
• Special first-time homebuyer programs.
• FREE pre-qualifications.

Mortgage Programs and Products

• First Time Homebuyers Mortgage Program. HVB works with you and the local agencies to get the best loan for you and the maximum assistance to help you purchase your home. HVB will NOT put you in a loan you cannot afford.
• FHA Mortgages. These Government backed loans feature a low down payment and no maximum income limitations. FHA loans are available in fixed rate. Insurance from the Federal Government replaces private mortgage insurance. Maximum loan amounts vary by county.
• VA Mortgages. Eligible veterans can finance up to 100% of the purchase price of many homes without having to pay mortgage insurance. The seller of the property can assist by paying up to all of your closing costs. Imagine buying a home with no money out of your pocket! Reservists are also eligible depending on time served.
• Conventional Mortgages. A conforming mortgage is one whose underlying terms and conditions meet the funding criteria of Fannie Mae and Freddie Mac. Chief among those is a dollar limit, set annually by the Federal Housing Finance Agency (FHFA): currently, in most of the continental U.S., a loan must not exceed $548,250.
• Jumbo Mortgage Loans. HVB can finance Jumbo loans over $548,251. Fixed loan options exist, tailored to your specific financial needs.
• Investment Property Mortgages. Mortgages for non-owner occupied homes are available with low down payments.
• Pennsylvania Housing Finance Agency (PHFA) Mortgages. HVB is an approved Pennsylvania Housing Finance Agency (PHFA) lender. The PHFA has developed programs specifically designed to make owning a first home in the Commonwealth possible for lower income families. The programs provide year-round availability of below market-rate financing, below-market origination fees and closing cost assistance for those who meet certain eligibility requirements. Check with us to see if you qualify.
• Second Home Mortgages. HVB can also help you purchase a vacation home with a fixed rate mortgage. You can finance up to 90% of the purchase price.

Online Banking

Access your account information anywhere you have internet access. You can even export the information to personal financial management software such as such as Microsoft® Money or Intuit Quicken®. Our Online Banking features:

• Account Overview
• Transaction History
• Statement Access
• Check Images
• Funds Transfer
• Stop Payments

FAQs

Is HVB’s Online Banking Service secure?

Our system uses encryption and is password protected to ensure that only authorized users access your accounts.

Are there any special systems requirements to use HVB’s Online Banking Service?

All you need to get started is a device with Internet access, an e-mail address, and a bank account with HVB.

How late in the evening can I make a transfer?

The transfer cutoff time for current day’s business is 8:00 PM Eastern Time, Monday through Friday. On Saturday, the cutoff time is 6:00 PM Eastern Time. Transfers after this hour will be credited the next business day.

What if a scheduled transfer falls on a weekend or holiday?

Transfers scheduled for a Sunday or a Holiday will occur on the first business day after the weekend or holiday.

How late in the evening can I place a Stop Payment?

Stop Payments placed at 7:00 PM EST Monday through Friday take effect the next business day.

How do I get assistance if I have questions?

Please call 215-947-1300 during normal business hours or send questions via e-mail to support@myhvb.com. 

Online Bill Pay

Online Bill Pay lets you pay your bills online through HVB. You can pay virtually anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay. All you need to get started with Online Bill Pay is your HVB checking account.

To see HVB Online Bill Pay in action, check out our DEMO now.

To access Online Bill Pay, you will need to log on to online banking, select your bill pay account and click on the Online Bill Pay button. With Online Bill Pay, you can:

• Pay anyone, anytime, from anywhere.
• Receive, view and pay e-bills at this one site.
• Set up reminders to help you track when bills are due. Even receive reminders by email.
• Schedule payments to multiple payees from one screen.
• Schedule single or recurring payments up to one year in advance.
• Schedule automatic payments.
• Review pending payments and payment history, and track status of each payment.
• Modify or cancel payments.
• Download transaction data into your Personal Financial Management software.

FAQs

How does Online Bill Pay work?
To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills. After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you've added in Online Bill Pay. To pay a bill, you must enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar.

How secure is my bill payment and personal information?
Online Bill Pay uses several methods to ensure that your information is secure.

• User Name and Password
• SSL
• Encryption
• Automatic Sign Out. Automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes).

Which bills can't I pay with Online Bill Pay?
You cannot use Online Bill Pay to pay any company or person with an address outside the United States or its territories.

Do I need to contact the companies or people that I pay if I choose to pay my bills with Online Bill Pay?
No. We make the payment based on the information you provided when you added your bill. If we have already established a relationship with a company or person you want to pay, we may send the payment electronically or to a location specified by the biller. Otherwise, we print and mail a check to the address you provided. If you enter your account information, we send it with your payment so that the company can credit your account properly.

How can I keep track of my bills in Online Bill Pay?
Online Bill Pay provides the following features for keeping track of your bills, and most of the features are available on the Payment Center:

• Bills List. The Pay Bills section lists all of the bills you've added in Online Bill Pay.
• Bill Reminders. You can set up reminders for your bills and have the reminder appear below the bill in the Pay Bills section for a certain number of days before the bill's due date. If you're receiving an electronic version of your bill, the reminder appears as soon as we receive the bill from your biller.
• E-mail Reminders. You can also receive e-mail reminders for your bills when the following events occur:
  • The bill is due.
  • The bill is past due.
  • The payment has been sent and the money has been withdrawn from your account.
  • The message contains information that is specific to a particular bill.
• Pending Payments. Provides a summary of the payments that have not been processed.
• Recent Payments. Lists the bills that have been paid in the past 45 days.
• Bill History. Shows all of the bills you paid, including electronic bills and bills that you pay automatically. It also shows any unpaid electronic bills.

Popmoney

Popmoney¹ allows you to send money, simply and securely, to anyone, anywhere directly within HVB’s online banking platform. Popmoney is a convenient personal payment service that allows you to:

• Send money securely from your account to just about anyone with an e-mail address or mobile number.
• Request money from a person or a group using their e-mail address or mobile number.
• Set up recurring payments to a person or group.

Let Popmoney be your personal payment service.  Contact us to learn more.

¹ Popmoney service is available to all online banking users. Transaction fees and restrictions apply. Contact HVB for more information

Mobile Banking

HVB's Mobile Banking² allows you to securely access your account from your mobile device.

If you have an Android or iPhone you can download our mobile app from the app store:

iOS Android

If you don't have one of those phones, but your phone can access the Internet, you can use our mobile banking site, which is specially formatted for quick access from your mobile web browser.

Please call or visit your local branch for more information or assistance in enrolling in Mobile Banking.

² Mobile banking is provided at no charge by HVB. Check with your phone service provider for additional text messaging or phone charges.

Mobile Capture

With Mobile Capture³, you can take pictures of your checks with your mobile phone and have them deposited into your checking account from anywhere, anytime! Deposit up to $5,000 per day with this convenient service.

You can deposit checks at any time, but if deposits are submitted before 4:00 PM EST on a business day, the funds will be credited to your account the same day. Deposits submitted after 4:00 PM EST or on a non-business day will be credited to your account the following business day.

³ Certain terms and conditions may apply. Please refer to HVB’s Retail Online Banking Agreement for details. Deposits are available pursuant to HVB’s Funds Availability Policy. Messaging and data rates may apply. Contact your mobile provider for details.

Debit Cards

No Fee VISA Debit Cards

With an HVB Visa Debit Card:

• Access your money 24/7 at any STAR and Plus machines
• Make purchases at millions of locations worldwide that accept VISA
• Locations and amount of purchases are listed on your checking account statement

uChoose Rewards

With uChoose Rewards⁴, you can receive rewards for using your HVB Visa Debit Card.

• Sign Your Name
  - Earn 1 Point for Every $2 Spent with Credit
• Use Your Pin
  - Earn 1 Point for Every $4 Spent with Debit

 You can use points earned towards merchandise, gift cards, and even cash back into your account. Want to start earning? Visit www.uchooserewards.com to register your HVB Visa Debit Card or contact us today to learn more!  

⁴ Reward values are subject to change. Points earned on net purchases (purchases minus credits and returns). Points can take up to 60 days to be credited to your account. Points expire three years from the time they were first earned. See the terms and conditions at enrollment for more details. HVB is not affiliated with Visa.

Card Valet

Manage your debit and credit card usage through your mobile device by defining when, where and how your payment card is used – with CardValet^® from Fiserv. Available at HVB.

• Safeguard your debit card by turning it “on” and “off” if it is lost or stolen.
• Establish transaction controls for dollar amount limits, merchant categories, and geographic locations.
• Receive alerts each time your debit card is used, approved, or exceeds the controls that you set.

If you have an Android or iPhone you can download the Card Valet app from the app store:

iOS Android

Lost or Stolen Debit Card

To report a lost or stolen ATM/Debit card, please call 1-800-554-8969.

To activate your ATM/Debit Card or to change your PIN, please call 1-800-992-3808

Taking a Trip? Let Us Know.

We're serious about doing all we can to protect you from debit card fraud. That's why we're asking you to give us a call when you plan to travel outside of the United States. We'll make sure that you can continue to use your card without any problems. It's just one of the many ways we're working to help ensure your security.

Bank by Phone

Access your account information 24 hours a day, 7 days a week by dialing (215) 914-BANK (2265).

Inquire about your HVB deposit and loan balances, find out which of your checks have cleared, transfer funds between accounts, make loan payments, and even advance money from your home equity line of credit into your HVB checking account right from the convenience of your telephone.