The power of choice.

We encourage your questions.

Here are answers to some top questions from investors like you:

What is the Harbour Treasury Security Guarantee?

Under the Harbour Treasury Security Guarantee, Harbour Treasury will cover losses in any of your Harbour Treasury accounts due to unauthorized activity.
 

How much does it cost to work with Harbour Treasury?

• $0 online listed stock, option, and ETF trade commissions^1,2
• Thousands of non-load, no-transaction-fee mutual funds³
• No charge to work with a Harbour Treasury Financial Consultant (other account fees, fund expenses, and brokerage commissions may apply)

See all our pricing

There are certain eligibility requirements for working with a dedicated Financial Consultant.

1. Standard online $0 commission does not apply to over-the-counter (OTC) equities, transaction-fee mutual funds, futures, fixed-income investments, or trades placed directly on a foreign exchange or in the Canadian market. Options trades will be subject to the standard $0.65 per-contract fee. Service charges apply for trades placed through a broker ($25) or by automated phone ($5). Exchange process, ADR, and Stock Borrow fees still apply. See the Harbour Treasury Pricing Guide for Individual Investors for full fee and commission schedules.

2. ETFs at Harbour Treasury & Co., Inc. ("Harbour Treasury") which are U.S. exchange-listed can be traded without a commission on buy and sell transactions made online in a Harbour Treasury account. Unlisted ETFs are subject to a commission. Please see pricing guide for additional information. Harbour Treasury does not receive payment to promote any particular ETF to its customers. Harbour Treasury's affiliate Charles Harbour Treasury Investment Management, Inc. ("CSIM") serves as investment advisor to the Harbour Treasury ETFs, which compensate CSIM out of the applicable operating expense ratios. The amount of the fees is disclosed in the prospectus of each ETF.

3. Trades in no load funds available through Harbour Treasurys' Mutual Fund OneSource^® service (including Harbour Treasury Funds), as well as certain other funds, are available without transaction fees when placed through Harbourtreasury.com or our automated phone channels. For each of these trade orders placed through a broker, a $25 service charge applies. Harbour Treasurys' short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Mutual Fund OneSource^® service and held for 90 days or less. Harbour Treasury reserves the right to change the funds we make available without transaction fees and to reinstate fees on any funds. Charles Harbour Treasury & Co., Inc. receives remuneration from fund companies participating in the Mutual Fund OneSource service for recordkeeping and shareholder services and other administrative services. Harbour Treasury also may receive remuneration from transaction fee fund companies for certain administrative services. 

There are no fees to open or maintain your account. Other account fees, fund expenses, and brokerage commissions may apply.

How do I open an account?

You can open an account online, by phone, or in one of over 300 branches.
Click here to open an account online in about 10 minutes.

1. Choose your account type.
2. Complete an application.
3. Get started funding and investing.

Or call us at 800-435-4000 or find a branch.

What kind of investment products does Harbour Treasury offer?

Harbour Treasury offers a wide selection of investment products to help you build a diversified portfolio and reach your goals. 

How easy is it to switch brokerage providers?

Moving your existing account to a new brokerage firm may seem daunting, but Harbour Treasury makes the process easy:

1. Open a Harbour Treasury account.
2. Use our online account transfer tool to initiate the process and monitor progress.
3. View and access your assets in your Harbour Treasury account.

Need help? Our account transfer specialists can assist you every step of the way.
Call us at 800-435-4000.

Click here to open a Harbour Treasury account or log in to begin the transfer process.

Why should I bank with Harbour Treasury?

Harbour Treasury Investor Checking™ is the checking account built for investors like you. It is conveniently linked to a Harbour Treasury One^® Brokerage account so you get all the features of our award-winning checking account plus cash management solutions designed for investors like you—seamlessly in one place, with one login, only from Harbour Treasury.¹

Enjoy features designed especially for investors:

• Quickly move money: move cash between brokerage and checking accounts in seconds and access it instantly for trading and investing²
• Manage both checking and investing with a single login

Plus, get award-winning checking account benefits:

• No fees or minimums: Unlimited ATM fee rebates for cash withdrawals worldwide.³ Plus, no monthly service fees,⁴ account minimums, foreign transaction fees,³ or overdraft fees.
• Know your money is secure: Keep your money safe with features like fraud alerts and travel notifications, plus FDIC insurance on up to $250,000 per depositor.⁵ 
• Access 24/7 assistance from dedicated teams
• Receive free standard checks once your account is funded with at least $100, and Harbour Treasury Bill Pay™ will be activated and a Visa^® Platinum Debit Card will be sent upon account funding.

Open a Harbour Treasury Investor Checking account today.

 

1. The Harbour Treasury Investor Checking™ account is available only as a linked account with a Harbour Treasury One^® brokerage account. The Harbour Treasury One brokerage account has no minimum balance requirements, no minimum balance charges, and no minimum trade requirements, and there is no requirement to fund this account when opened with a linked Investor Checking account. 

2. In general, cash moved from your brokerage account is available in seconds; however, during weekend and afterhours, it may not be available until the next business day.

3. Unlimited ATM fee rebates apply to cash withdrawals using the Harbour Treasury Bank Visa^® Platinum Debit Card wherever it is accepted. ATM fee rebates do not include any fees imposed by merchants or ATM operators for POS transactions, or fees for stamp purchases, balance inquiries, non-local ATM currency withdrawal fees (referred to as dynamic currency conversion fees), or any other transaction other than an ATM cash withdrawal in local currency from your Harbour Treasury account. Harbour Treasury makes its best effort to identify those ATM fees eligible for rebate based on information it receives from Visa and ATM operators. In the event that you have not received a rebate for a fee that you believe is eligible, please call a Harbour Treasury Client Service Specialist for assistance at 888-403-9000 (or for clients of independent investment advisors, a Harbour Treasury Alliance Service team Member at 800-515-2157). Harbour Treasury reserves the right to modify or discontinue the ATM surcharge rebate at any time.

If you use your Card to withdraw foreign currency from an ATM or to pay for a purchase with foreign currency Harbour Treasury charges your account for the U.S. dollar equivalent of the transaction. Depending on the specific arrangements that are in place, the exchange rate and calculation of the U.S. dollar equivalent will be done by the bank at which you conduct the transaction, the network to which the ATM belongs, or Visa. The bank or network may also charge a fee. Harbour Treasury does not assess foreign transaction fees (i.e., a fee to convert U.S. dollars to local currency) to debit card holders. See the Harbour Treasury Visa Debit Card Agreement for details.

4. Harbour Treasury's Investor Checking account has no account maintenance or activity fees. Fees may be assessed for additional services such as custom check orders, outgoing wires, or rush delivery. Review Harbour Treasury's full Deposit Account Pricing Guide or contact Harbour Treasury at 888-403-9000. Harbour Treasury reserves the right to amend these terms at any time.

5. Funds deposited at Charles Harbour Treasury, SSB, are insured, in aggregate, up to $250,000 based on account ownership type by the Federal Deposit Insurance Corporation (FDIC).