Best of 2019

 

 

Personal Banking

Deposit Services

Checking

See Checking Rates Order more checks

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

Checking AccountsFreedom CheckingStar CheckingVarsity CheckingIndependence Checking
Requirements: None None Full-time student at college or trade school For customers age 50 and older
Minimum to Open: $1 $300 $1 $1
Minimum Daily Balance: $1 $300 $1 $1
Monthly Service Charge: None $5 if below minimum balance None None
Statements: Monthly Monthly Monthly Monthly
Images Returned: No No No Yes
Earns Interest: No Yes, on balances of $300 or more No Yes, on balances of $2,500 or more
Extras:     Up to four surcharge reimburstments per statement cycle

$10 Annual Discount on Safe Deposit Box

Free check orders for life of account**

**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

See Savings Rates

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

Savings AccountsPassbook SavingsStatement SavingsStar SavingsRookie SavingsHoliday and Vacation Club Savings
Minimum to Open: $1 $1 $250 $1 $1
Minimum Daily Balance: $1 $1 $250 $1 $1
Monthly Service Charge: None None $3 if below minimum balance None None
Statements: Passbook Monthly Monthly Passbook None
ATM Card: No Free Free No No
Earns Interest: Yes, on balances of $50 or more Yes, on balances of $250 or more Yes, on balances of $250 or more Yes, on balances of $1 or more Yes, on balances of $1 or more
Online & Mobile Banking: Free Free Free Free Free
Over-the-Counter Withdrawals: Unlimited1  Unlimited1 Unlimited1 Unlimited1 02

1 Transfers by preauthorized, automatic, telephone, or debit card to a third party or other account are limited to six (6) per statement cycle.
2 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

See Money Market Rates

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

AccountPremium Money MarketPlatinum Money Market
Requirements: None None
Minimum to Open: $500 $100,000
Minimum Daily Balance: $500 $100,000
Monthly Service Charge: $12 if below minimum balance $20 if below minimum balance
Statements: Monthly Monthly
Images Returned: No No
Earns Interest: Yes, on balances of $250 or more Yes, on balances of $100,000 or more
Monthly Withdrawals Permitted: Up to 6 Up to 6

Transfers out of a money market account by pre-authorized, automatic, telephone, debit card or check to a third party or other account are limited to six (6) per month.

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

See CD Rates

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

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

 Little Patriot Savers

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.3
  • 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 $250.00.3
  • To set up a Rookie Savings account, visit your local branch or contact us.

3 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

SizeAnnual Fee
2x5* $12
3x5 $30
5x5 $45
3x10 $60
5x10 $105
10x10 $150

*2x5 box only available at our Warrington Branch

Residential Lending

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

Apply Now

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 $484,350.
  • Jumbo Mortgage Loans. HVB can finance Jumbo loans over $484,350. 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.

Home Equity Loans/Lines of Credit

How much can you borrow? See Fixed Rate Home Equity Rates Apply Now

Maybe you need money for home improvements or to cover educational expenses. Perhaps you’d like cash to take a well-earned vacation or consolidate your bills into one easy-to-manage monthly payment.

If you are a homeowner, we can help. Our Home Equity Lines of Credit and our Home Equity Fixed Rate/Fixed Term Loans are two great ways to get the funds you want. Even if you don’t have available equity, you may save by refinancing with a lower rate from HVB.

At HVB, you can borrow up to 80% of your home’s equity on fixed home equity loans or home equity lines of credit even if you don’t have a mortgage with us. Approvals are based on credit, income, and the appraised value of your property. HVB will be the first or second mortgage lien holder on your primary residence.

Regardless of which option you select, there are no application fees or annual fees. You also qualify for our discounted Auto-Pay rate if you have your monthly loan payment automatically deducted from a HVB savings or checking account.

See the attached important disclosures:

Early ARM Disclosure for Equity Loan Preferred Rates

Consumer Handbook on Adjustable Rate Mortgages for Preferred Rates Product

 

Home Equity Line of Credit – For Maximum Flexibility

A HVB Home Equity Line of Credit is an excellent way to ensure that you have ready access to needed funds up to 80% of your home's equity.

Once approved, you’ll receive special checks so you can write yourself a loan whenever you choose. This gives you the flexibility to borrow cash at the time you want and in the amount you need. We offer credit lines from $7,500 to $100,000 or more. You only pay interest on the money you actually borrow. The interest you pay on your Home Equity Line of Credit may even be tax deductible. Be sure to ask your tax advisor.

As you repay the principal, these funds become available again for your use. There are no renewal fees.

See the attached important disclosures:

What you should know about home equity lines of credit

HELOC Important Terms Disclosure

Property insurance is required on all loans.

Information about current rates, Annual Percentage Rate (APR), and service charges is contained in these disclosures. Ask for and read all disclosures before applying for any account.

*Minimum rate: 4.25%. Maximum rate: 18.00%.

Home Equity Fixed Term/Fixed Rate Loan – For Simplified Budgeting

This excellent borrowing option is for customers who prefer the advantages of a fixed term/fixed rate loan.

You can borrow from $7,500 to $200,000 for terms of 3 years to 20 years. There are no annual fees, no application fees, and no closing costs. You know exactly what you will be paying each month. You also get our discounted Auto-Pay interest rate when regular payments are made from a HVB checking or savings account. Your interest may even be tax deductible, so ask your tax advisor.

Property insurance is required on all loans.

Disclosures are available upon request. Information about current rates, Annual Percentage Rate (APR), and service charges is contained in these disclosures. Ask for and read all disclosures before applying for any account.

*Minimum rate: 4.25%. Maximum rate: 18.00%.

Banking Your Way

Online Banking

Sign Up for Personal 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.

Tip: When you enter an amount, Online Bill Pay automatically displays the earliest date you can select for the company or person to receive the payment in the Pay Date box. You can either accept this date or change it to a later one.

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

 

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.