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Introducing the Student Advantage Har-co card

5% cash back at Amazon, Doordash, and bookstores! Plus 1% everywhere else. No credit score required. Apply online and build credit responsibly.

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a warm welcome home.

Wherever you go, grow with Har-co.

From the moment they're born you want what's best for them. We're here to help get you started financially. With $10 on us to start their savings, exclusive high yield CD's, and helping them learn how to save on their own. Wherever life brings your family, grow with Har-co.

Open an Account
Become a member
Partnered with the best!

Car buying, made easy!

We're partnered with over 25 dealerships in Harford County, making it easy for you to visit those dealerships and complete same-day financing. Want to buy your car somewhere else? Get pre-qualified today to start your journey with Har-co.

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Become a member

Fraud awareness

Be aware of scammers posing as Har-co using our phone number to gain sensitive information. If you receive a call or text, do NOT provide sensitive information. Call us at our published number to report and confirm. Please watch the video here from our CEO for more information.

Solving financial needs for all of Harford County.

Credit cards

Introducing your pass to Harford County, with the Black Har-co card. 5% Cash back on local businesses and 2% on all other purchases.

Apply for a credit card
Auto Loans

Visit the dealership prepared with a blank pre-approved check. Spend less time haggling at the dealership and more time in your dream car.

Apply for an auto loan
Mortgage

Get the edge in today's market with a one-day pre-approval.
Spend less time closing and more time making memories.

Apply for a mortgage
Commercial Lending

At Har-co, we mean business. You'll work with the VP and CEO to ensure your local business thrives.

Speak with an expert
Checking accounts

Free checking accounts. Access your money anywhere with over 32k ATMs across the country!

Open account
Personal Finance Manager

Login to your online banking portal to track and manage all of your finances in one place. Set budgets and goals and learn more about your money.

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What is your next financial goal?

We know how hard is it to start something new, that’s why we have the perfect plan for you.

student
Students
Open an account &
grow your credit
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business owner
Local business owners
Let us help you grow
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car buyer
Car buyers
We take the haggling out of car buying
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Open account
Har-co Online Banking

We're local, but your access to your money is global with our banking app.

Download our app today to check your balances, transfer money, and more. Plus we partner with over 32,000 ATMs!

Explore our neigborhood.

From strolling around Main Street, to spotlighting local organizations, take a look as we explore our neighborhoods.

Strolling Around Main Street Collection

The best local shops and restaurants that Harford County has to offer.

Community Spotlights

Exclusive conversations with local business and community leaders.

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