Brokers

If you buy or sell securities on an exchange or over the counter, you will probably use a broker, and your direct contact will be with a registered representative.

The registered representative, often called an account executive or financial consultant, must be registered with the National Association of Security Dealers (NASD), a self-regulatory organization whose operations are overseen by the Securities and Exchange Commission (SEC), and with the states in which the broker is conducting business.

The registered representative is the link between the investor and the traders and dealers who actually buy and sell securities on the floor of the exchange or elsewhere.

Over The Counter

Many securities are not traded on an exchange but are traded over the counter (OTC) through a large network of securities brokers and dealers.

In the National Association of Securities Dealers' Automated Quotation System (NASDAQ), which is run by the National Association of Securities Dealers (NASD), trading in OTC stocks is done via on-line computer listings of bid, which asks prices and completes transactions.

Like the exchanges, NASDAQ has listing standards that must be met for securities to be traded in that market. Similar to an exchange it provides a "meeting place" for buyers and sellers.

The typical investor generally will not know whether their security is bought or sold through and exchange or over the counter. The investor engages a broker who arranges the transaction in the appropriate market at the desired price.

Exchanges


Securities are bought and sold in a number of different markets. The best known are the New York Stock Exchange and the American Stock Exchange, both located in New York City.

In addition, six regional exchanges are located in cities throughout the country. A corporation’s securities may be traded on an exchange only after the issuing company has applied to the exchange and met any listing standards relating, for example, to the company's assets, number of shares publicly held, and number of stockholders.

Organized markets for other instruments, including standardized options, impose similar restrictions. The exchanges facilitate a liquid market for securities where buyers and sellers are brought together.

Listing on an exchange, however, does not constitute approval of the securities or provide any assurance as to risk and return.

Investing Advice

Your First Step to a Prosperous Future


Investment Basics


What You Should Know


Before you invest, it’s important to be as informed as possible about securities and markets. Further, you must stay informed and monitor your portfolio.

This Financial Guide tells you what you need to know about markets and securities, and provides some basic suggestions on choosing an investment. The world of investing can seem mind-boggling for a beginning investor and the amount of information required to be consumed can appear daunting.

How do you decide what type of security to invest in? For example, should you choose stocks, bonds or some combination of investments? Should you invest in mutual funds? How do you choose a particular fund, stock or bond? How do you assess the risk to your money?

This Financial Guide provides a starting point for inexperienced investors. It describes how securities markets work, what protections are afforded, the general types of securities available, the interaction of risk and reward and how to select the investments appropriate for your risk tolerance.

For a definition of the various terms used in the investment world, see Glossary of Investment Terms.

Web Banking

Banking When You Want It!


With Web Banking, your Harleysville National Bank and Trust Company office is as close as your personal computer. To help you save even more time and money, use the Bill Payment feature and let us buy the stamps!

Easy Account Access
Get online and use the Web to:
Check the balances and activity of your registered accounts
Print a listing of your current transactions
Place a stop payment order
Transfer funds
View your paid check images online
Pre-schedule your loan payments
Download your transaction activity to a variety of software packages including Quicken® or Microsoft Money®
Order checks

All this information is available to you at no charge! You'll be accessing the Web Banking program from the comfort of your home or office using your own computer.

For your assistance, there are help pages available for your use within the Web Banking site. These pages will help assist you in navigating through the Web Banking site and will also help you learn how to use this powerful system to its fullest.

Registration is Easy

Call us or stop by any branch location and we'll have you registered in no time, or you can even apply online. Begin to access your accounts online the next business day after you register!

Data Security

We know the security of Web Banking is important to you. Your account numbers are never displayed on the Web; instead, when you register for Web Banking, we will ask which accounts you wish to access online and you will be able to assign these accounts "pseudo names." When you log into Web Banking, these pseudo names will display rather than your account number - complete security!

To provide even more protection, a PIN (personal identification number) is required for Web access as well as a unique customer identification number that will be issued to you at the time of enrollment. The first time you use Web Banking the system will display step-by-step instructions to change your PIN. You may also choose to change your customer identification number to a "friendly login ID."

Free Funds Transfer

Hop online and transfer funds to/from your linked Checking, Statement Savings, Money Market and Loan accounts anytime of the day or night!Transfers made to/from your deposit accounts may be viewed immediately. Transfers to/from loan accounts will appear online the next business day. Transactions completed after 8 p.m. will be posted to your accounts on the next business day. For your records, the Web Banking system will provide you with a confirmation number.

Please note: the number of monthly transfers from savings and money market accounts is limited by law.

Convenient Bill Payment

Bill Payment is a fantastic product that allows registered Web Banking users to pay bills or send money to anyone (non-government entities only) in the United States through your Web Banking account. Pay anyone -- from your utility company or cable provider, to your pet sitter or even a child in college across the country! Simply log into your Web Banking account, provide information about who you are sending the money to, and that's it! Your payment is on its way to the recipient. For detailed information about Bill Payment, click here to learn more!

We know that once you begin using online bill payment, you'll love it! In fact, we want you to try it for three billing cycles absolutely FREE. After that, the service costs just $5.00 per month, (charged to your Bill Payment Checking account) including up to 15 transactions. Each additional transaction is just $.35.

Enrollment is easy! If you are already a registered user of Web Banking, you can sign up for Bill Payment online while you are logged into Web Banking. If you're not registered for Web Banking, you may enroll in both services by stopping by your local Harleysville National Bank branch, calling 1-888-HNB-2100, or applying online.

To use Web Banking or Bill Payment, you must be using Netscape Navigator 4.75 or higher, Microsoft Internet Explorer 5.5 or higher, or a browser that supports 128-bit SSL encryption. All standard overdraft and stop payment fees, procedures and policies are applicable to online bill payments. Three months free offer for a limited time only. Bill payment option available to personal and sole proprietor accounts only.


Web Statement Delivery

Tired of all of the clutter in your mailbox? Simplify your life with Web Statement Delivery! If you are a registered Web Banking user, you qualify for this FREE convenience service!

With Web Statement Delivery, you will be able to view your bank statements online rather than receiving them through postal mail. Many people are discovering that electronic delivery of items such as bank statements reduces clutter in their lives and makes organization a snap. No more papers scattered on your desk - and you won't lose your statements, as they will be stored for you online* where you can access them at any time, from any computer with internet access!

By signing up for Web Statement Delivery, you will no longer receive your Harleysville National Bank and Trust Company banking statements in the mail. Instead, you will receive an e-mail alerting you when your bank statement is available to view online. A link in the e-mail will take you to your login page. You will be able to view any alerts or notices that may have been included in the mailed version of the statement, and you even still will have access to the Account Reconcilement form that is printed on the back side of your printed statement.

Have more questions? Read the Web Statement Delivery FAQ (Frequently Asked Questions)!

Get started now! Simply complete and return our Web Services Action Form - it's that easy! If you're not currently a Web Banking user, you may sign up for that from our Application Center right away!

Personal Banking: Convenience Services

Protect Yourself Against Embarrassing Overdrafts


Overdraft Protection
Any of Harleysville National Bank & Trust Company's checking accounts can be linked to an HNB Statement Savings, Money Market, or Line of Credit account (must meet credit criteria) for convenient overdraft protection. Money will be transferred from your linked account to cover any overdrafts. There is a $6/transfer charge for this service from an HNB Statement Savings or Money Market account. Overdraft transfers are FREE from an HNB Line of Credit account. Contact an HNB Customer Service Representative to sign up for this service!
Bounce Protection®
Qualified customers who have not registered for our Overdraft Protection Plan are automatically protected from returned checks through our new Bounce Protection® plan.

You will have peace of mind knowing that, should you become overdrawn, your transactions may be covered up to your assigned limit. If you are currently registered for our Overdraft Protection transfer plan, an overdraft transfer from your linked account will be initiated before your Bounce Protection® limit is accessed. For a more detailed description of how this works, click here.


Visa® Check Card
The Card That Works Like A Check

The Visa® Check Card is not a credit card, it's a check card, because the money comes out of your checking account - just like a check. Use the card to pay for purchases at millions of locations worldwide where Visa® debit cards are accepted, sign the authorization, and the amount will be deducted from your checking account! Each transaction will be detailed on your monthly account statement.

No I.D. to show.
No waiting for check approval.
Your Visa® Check Card is combined with the power of STAR® and provides even more convenience and purchasing power.
All for just $1 per month charged to your checking account.

STAR®: 24-Hour Banking

With a Harleysville National Bank & Trust Company STAR® card, the bank is never closed. As part of the "PLUS" network, you'll have access to your cash around the country and the world.

Unlimited transactions for only $1/month, charged to your primary STAR® account only.
Withdraw, deposit, check your balance, or transfer when you want to.

For added convenience, you can link up to any seven accounts you might have, including three checking accounts, three statement savings account and one revolving line of credit!
Direct Deposit
FREE And Convenient!

Harleysville National Bank & Trust Company participates in the Direct Deposit of Social Security and Federal Recurring Payments Program. Beneficiaries in one or both of these programs are invited to sign up for this convenient service at any of our offices.

The Benefits of Direct Deposit:
Prevents your check from becoming lost or stolen.
No more standing in line to cash your check or worrying about getting to the bank before it closes.
Guaranteed deposit of your check on the designated day of each month.


Automatic Loan Payment
Never Worry About Late Payments Again

We can automatically deduct your Harleysville National Bank & Trust Company loan (installment or commercial) or mortgage payment from your HNB deposit account. You won't have to worry about coupons or due dates, and this service is free. It also can mean a ¼% rate reduction on your installment loan. See us for details.

If you currently have a loan or mortgage with us, stop by any of our offices to sign up for this convenient time-saver!

Get To Know Telephone Banking

Telephone Banking is our convenient, automated bank-by-phone system that gives you access to your accounts 24 hours a day, 7 days a week from any touch-tone phone. Telephone Banking is one more way we can better serve our customers.

There is no need to register for this service. Telephone Banking can provide you with a wealth of information about your accounts. Just by calling (800) HAR-9300,
you can:

Access your checking or savings account balances.
Listen to the last 60 transactions posted to your account.
Make loan payments.
Ask about current activity on your ReserveCash or home equity line of credit.
Check our loan and deposit rates.
Transfer funds (accounts must be registered for funds transfer).
All this information is yours simply by picking up the phone! Best of all, this convenient service is free!
Wire Transfers

Harleysville National Bank & Trust Company offers its customers the very best in wire transfers. We can transmit funds to a receiving bank (in the continental USA) within minutes. International wires are also available.


Travel Currency Services with My Travel Wallet

Planning a trip to a foreign country in the near future? Let us take the headache out of your foreign currency and travelers cheques needs. By using My Travel Wallet, an affiliate partnership between HNB and the Travelex Group, you can purchase foreign currency and travelers cheques quickly and easily online, and have your purchase shipped to your door in as little as two days. Click Here for more information about My Travel Wallet.
Web Banking

Sign up for Harleysville National Bank & Trust Company's free Web Banking service. View your checking account balances and activity, print a listing of your current transactions, view images of paid checks, place a stop payment, or transfer funds. A convenient Bill Payment option is also available. For more information about this powerful tool, visit the Web Banking section of this website!
Web Statement Delivery

Tired of all of the clutter in your mailbox? Simplify your life with Web Statement Delivery! If you are a registered Web Banking user, you qualify for this FREE convenience service!

With Web Statement Delivery, you will be able to view your bank statements online rather than receiving them through postal mail. Many people are discovering that electronic delivery of items such as bank statements reduces clutter in their lives and makes organization a snap. No more papers scattered on your desk - and you won't lose your statements, as they will be stored for you online* where you can access them at any time, from any computer with internet access!

By signing up for Web Statement Delivery, you will no longer receive your Harleysville National Bank and Trust Company banking statements in the mail. Instead, you will receive an e-mail alerting you when your bank statement is available to view online. A link in the e-mail will take you to your login page. You will be able to view any alerts or notices that may have been included in the mailed version of the statement, and you even still will have access to the Account Reconcilement form that is printed on the back side of your printed statement.

Have more questions? Read the Web Statement Delivery FAQ (Frequently Asked Questions)!

Get started now! Simply complete and return our Web Services Action Form - it's that easy! If you're not currently a Web Banking user, you may sign up for Web Banking from our Application Center right now!

Personal Banking: Checking Solutions

Most of us can't imagine functioning without a checking account - it's a basic banking necessity. That's why at Harleysville National Bank and Trust Company, we've woven simplicity, savings, and service into our menu of checking options. One is sure to work well for you. With the addition of FREE services like Web Banking, Bounce Protection®, and Telephone Banking, our automated telephone banking solution, HNB checking accounts provide real value! Convenient options like a Visa® Check Card and online Bill Payment are also available. If you're 49 or better, be sure you check out our premiere banking packages: Rewards and Total Rewards!
To view details about our checking accounts, select an account type from the drop-down box, or scroll down to view all.

e.Banking - The Ultimate in Convenience!
Who wouldn't like a little more convenience in life? Harleysville National Bank and Trust Company just introduced a new package with free checking and electronic services called e.banking.

e.banking is free and offers a personal checking account with no minimum balance requirements and all the electronic bells and whistles that today’s consumer can enjoy. It’s for anyone – students, professionals, retirees or anyone who likes to bank electronically.

Account Features:
Free checking with Bounce Protection!
Free Bill Payment with Web Banking!
Free Visa Check Card!
Web Statement Delivery - our electronic account statement delivery system* - reduce paper clutter in your life!

Rewards & Total Rewards:
Premiere Banking Packages for Those 49 and Better!

You're 49 or better and you're not afraid to ask for what you want. And you've told us what you want from your banking relationship: service, convenience, value and respect. We think Rewards and Total Rewards deliver all of that and more.

How Can You Join?

To join Rewards, just maintain a $100 minimum daily balance in a Harleysville National Bank (HNB) Interest Checking account.

Or step up to Total Rewards. Maintain a combined daily balance of $10,000 in your HNB Interest Checking, Money Market, or Savings accounts to qualify for Total Rewards.

Choose the Premiere Banking Package that's right for you:

Rewards
The Benefits of Membership are Awesome! Save up to $115 Annually!

No per-check charge. Check images can be viewed online or you may request 24 free check copies annually.
Free annual order of select style personalized checks - a $10 value
Free overdraft protection transfers
Free Direct Deposit
No monthly fee Savings or Money Market Account
No monthly fee Visa® Check Card - a $12 value
Free Visa Platinum Credit Card or Visa® Platinum ScoreCard™ Credit Card. No annual fee charged**
Free Telephone Banking
Free telephone transfers
Free Web Banking with 6 free months of bill payment - a $30 value
Free retirement planning consultation***
Free informational newsletter
Free financial and educational seminars
Up to ½% off installment loan rate with automatic payment**
$50 credit towards mortgage closing costs**
50% off annual rental of a 3" x 5" safe deposit box with automatic payment* - an $11 value
Total Rewards
Save up to $275 Annually!

With Total Rewards, Get all the benefits of Rewards (see above), PLUS:

Option to get check images returned with your monthly statement at no additional charge
Additional check styles available when ordering personalized checks or get a $15 credit towards a premium style
No PLUS® system transaction fees charged by HNB - that saves $2 per transaction!
Free bill payment with Web Banking - always. A value worth $60 annually
Free investment, will, and estate plan review - priceless!
Additional $50 credit towards mortgage closing costs (a $100 total value)**
Free safe deposit box up to $50 annually*
Free travelers cheques when purchased in branches
Free bond coupon processing
Stay Informed on Financial Matters

As a Rewards or Total Rewards member, you'll automatically receive our quarterly newsletter filled with Real Life Financial Solutions and entertainment discounts. Additionally, HNB will host educational and financial seminars on various topics of interest to you.


Interest Checking

Combine the benefits of a savings account with all the conveniences of a checking account... a real dynamic duo! The account earns interest (rate subject to change daily), so even money on deposit for a short period of time works for you.

We give you five ways to avoid a monthly service charge on your Interest
Checking account! Just maintain one of the following balances:

Minimum daily balance of $500 in your Interest Checking account; or
Average monthly balance of $1,500 in your Interest Checking account; or
Minimum daily balance of $1,000 in your Statement Savings account; or
Minimum daily balance of $2,000 in your Checking and Money Market account; or
Minimum daily balance of $8,000 in any combination of Checking, Statement Savings or Money Market accounts.
We automatically check all options for you each month. If none of the above minimums are met, the service charge will be as follows:

Just $5 per month and we'll store your cancelled check images for you! You can view images online anytime or request copies from us; OR
$7 per month if cancelled check images are returned to you with your
statement.
Your account will continue to earn interest should the balance fall below
any minimum. Fees could reduce account earnings. (If overdrawn, the account earns no interest.)

In addition, you will receive the following:

No Per-Check charges: Write as many checks as you like.
Monthly Statements: You'll receive accurate, easy-to-understand monthly statements and have the choice to receive them online or by mail.
Our monthly service charge, if applicable, is assessed once per month, regardless of the number of times the balance may drop below the minimums.
If we store check images for you, 24 free copies are allotted annually. Additional copies are $2.


Regular Checking

Designed to give you ample opportunity to avoid a monthly service charge. Maintain just one of the following balances and a monthly maintenance fee will not be assessed on your account:

Minimum daily balance of $300 in your Regular Checking account; or
Average monthly balance of $1,000 in your Regular Checking account; or
Minimum daily balance of $500 in your Statement Savings account; or
Minimum daily balance of $1,000 in your Checking and Money Market account; or
Minimum daily balance of $4,000 in any combination of Checking, Statement Savings or Money Market accounts.
We automatically check all options for you each month. If none of the above minimums are met, the service charge will be as follows:

Just $4 per month and we'll store your cancelled check images for you! You can view images online anytime or request copies from us; OR
$6 per month if cancelled check images are returned to you with your statement.
In addition, you will receive the following:

No Per-Check charges: Write as many checks as you like.
Monthly Statements: You'll receive accurate, easy-to-understand monthly statements and have the choice to receive them online or by mail.
Our monthly service charge, if applicable, is assessed once per month, regardless of the number of times the balance may drop below the minimums.
If we store check images for you, 24 free copies are allotted annually. Additional copies are $2.


Thrifty Checking

No minimum balance requirement.
Low monthly fee of just $2.50.
Up to 8 checks posted against your account per statement cycle at no charge (After the first 8, the charge will be $.50/check).
Account features check image safekeeping (cancelled check images are stored at the bank). You may view your check images at any time online using Web Banking, or if you prefer you may request copies from us.


Senior Checking

Harleysville National Bank prides itself in its service to and concern for our senior citizens. We currently offer our customers 60 years of age or better:

Free non-interest Checking account with direct deposit and check safekeeping.
Free annual order of personalized checks, select style.
Free Web Banking with optional three free months of Bill Payment.
Free Telephone Banking.
No Per-Check charges: Write as many checks as you like.
Monthly Statements: You'll receive accurate, easy-to-understand monthly statements and have the choice to receive them online or by mail.
If we store check images for you, 24 free copies are allotted annually. Additional copies are $2.


And Don't Forget...

VISA® Check Card

No checking account is complete without the convenience of a Visa® Check Card. The Visa® Check Card is not a credit card, it's a check card because the money comes out of your checking account, just like a check. Use the card to pay for purchases anywhere Visa® debit cards are accepted; sign the authorization slip and the amount will be deducted from your checking account. You can even use your Visa® Check Card for many online purchases. Your Visa® Check Card is combined with your STAR® card providing even more convenience and purchasing power for only $1 per month charged to your checking account.

Web Banking

Sign up for Harleysville National Bank and Trust Company's free Web Banking service. View your checking account balances and activity, print a listing of your current transactions, view images of paid checks, place a stop payment, or transfer funds. A convenient bill payment option is also available. Try our convenient Web Banking Demo, then contact us to initiate this service for you or apply online!