Credit cards
Cards with the controls built in
Freeze a card, set limits and create virtual card numbers for online shopping.
See credit cardsWe never ask for your password, transfer PIN or email codes. Visit the Security Center to learn how to keep your accounts safe online. Learn more.
Altovias Bank
Banking that keeps pace with your life.
Everyday accounts, clear rates and people who answer the phone. Open an account online in about ten minutes.
Current rates
Clear, published rates on savings and lending. Every rate is on the Rates page, and rates can change at any time.
Everyday banking, made simple
Accounts, cards and lending that work together, all managed in one place.
Checking
Checking that fits the way you bank
Four checking accounts, each with free online bill pay, a debit card and mobile deposit.
Open an accountHome financing
Borrow wisely for your home
Mortgages and home equity, with payment and escrow tracking online.
Explore mortgagesCredit monitoring
Your score and report in one place
Follow your credit score and a summary of your credit report.
Learn moreMobile banking
Bank from your phone
Check balances, move money and freeze a card wherever you are.
See mobile bankingDigital banking that respects your time
See every balance, move money and manage your cards from one dashboard, on your laptop or your phone.
Accounts and lending for every stage
Start with what you need today. Add products as your life changes, and manage all of them in one place.
Checking Accounts
Four checking accounts, each with the same free online bill pay, debit card and mobile deposit.
- Everyday Checking: No monthly fee and no minimum balance. Free debit card and online bill pay.
- Interest Checking: Earns interest on balances over $2,500 with a $8 monthly fee waived at $5,000 average balance.
- Student Checking: For students under 25. No monthly fee, no minimum balance and a free first overdraft.
Savings Accounts
Set money aside for the things you are planning.
- Standard Savings: A simple account for everyday reserves. No monthly fee with a $300 minimum daily balance.
- High-Yield Savings: Our highest variable rate with no minimum balance and 24/7 transfers.
- Goal Savings: Name up to ten goals, watch progress bars and automate contributions.
Credit Cards
Earn rewards on everyday purchases and manage every detail of your card in online banking: freeze it, set limits, pay early and turn on autopay.
- Cardinal Rewards: Earn 1.5 points per dollar on every purchase with no categories to track.
- Harbor Business Card: Employee cards, expense reports and 2 points per dollar on office supplies and shipping.
- Built in controls: Freeze the card, set spending limits and get alerts for every purchase.
Personal Loans
Fixed rate loans from $1,000 to $75,000 for debt consolidation, home projects or major expenses, with a decision shown online.
- Fixed rate: Your rate and payment never change for the life of the loan.
- Terms from 12 to 84 months: Choose the payment that fits your budget.
- No origination fee: What you see on the application is what you pay.
Mortgages
Buy a home or refinance with fixed rate financing and a dedicated loan officer who stays with you from application to closing.
- 30 and 15 year fixed: A payment that stays the same for the life of the loan.
- Refinance: Lower your rate, shorten your term or take cash out.
- Local loan officers: One person guides you through documents, appraisal and closing.
Investments
Buy and sell stocks, funds and bonds from one brokerage account, and follow your holdings alongside your other accounts.
- Stocks and ETFs: Trade individual companies and index funds with market and limit orders.
- Mutual funds and bonds: Diversify with managed funds and fixed income.
- Portfolio tracking: See holdings, gain and loss, allocation and performance history.
Open an account in four steps
Enrollment is online and takes about ten minutes. You can go back and change anything before you submit.
- 1
Choose your account
Pick checking, savings, a credit card, a loan, home financing or an investment account.
- 2
Tell us about you
Your name, date of birth, address and contact details, plus a little about your work.
- 3
Secure your profile
Choose a username, a password and a separate transfer PIN.
- 4
Confirm your email
Enter the code we send you, and your accounts are ready to use.
Everything you need, in one place
The tools you use every week are part of your accounts, with nothing extra to set up.
Transfers
Move money between your accounts, to other people and to other banks, with a receipt for each one.
Bill pay
Pay bills, schedule payments and save billers for next time.
Card controls
Freeze a card, set limits and create virtual card numbers for online shopping.
Statements
Download monthly statements and receipts as PDF files whenever you need them.
Alerts
Choose the email and in-app alerts you want, and keep security alerts on.
Goals and budgets
Name what you are saving for and see your spending by category.
Credit monitoring
Follow your score and a summary of your credit report.
Secure messages
Ask a question inside online banking and hear back within one business day.
Protection that works in the background
We monitor for unusual activity and give you the controls to respond in seconds. We never ask for your password, transfer PIN or email codes.
- Separate transfer PIN
- Email verification
- Device and sign in history
- Instant card freeze
- Scheduled maintenance on Sunday at 2:00 AM ET
Online banking may be briefly unavailable for about 30 minutes.
- We never ask for your password or transfer PIN
Ignore any email, call or text that asks for your password, transfer PIN or verification codes. They are not from us.
- Beware of fake invoices
Scammers send convincing invoices and ask you to wire payment. Confirm by phone using a number you already trust.
Rates at a glance
A few of our current rates. Every rate is on the Rates page, and rates can change at any time.
| Product | Term or tier | Rate | APY | Minimum |
|---|---|---|---|---|
| High-Yield Savings | Variable | 4.250% | 4.340% | $100 |
| Premier Money Market | $25,000 and over | 4.000% | 4.070% | $2,500 |
| Certificate of Deposit | 12 months | 4.500% | 4.600% | $1,000 |
| Personal Loan | 12 to 84 months | 8.490% | n/a | $1,000 |
| Auto Loan (new) | 24 to 84 months | 6.240% | n/a | $5,000 |
| 30-Year Fixed | 30 years | 6.125% | n/a | 5% down |
Financial education and news
Practical guides written in plain language, and updates on what is changing at Altovias Bank.
Banking for your business
Checking, cards and credit for owners of small and mid-sized businesses, with the same online tools you use for personal banking.
- Business Checking with unlimited digital transactions
- Employee cards with limits that you control
- Working capital lines from $10,000 to $250,000
- Multiple users with permissions, and exports for your bookkeeper
Run the numbers before you decide
Estimate a loan payment or see what regular saving can become. Adjust the sliders and the result updates instantly.
Estimated monthly payment$0.00
Balance after the period$0.00
Principal and interest per month$0.00
Estimates only. Figures are illustrative and do not represent an offer of credit.
What customers say
I opened my account on my phone during lunch. The transfer flow told me exactly what would happen at every step.
Seeing my mortgage schedule and escrow balance together made the first year of owning a home a lot less stressful.
The savings goals are simple. I named a roof fund and watched it fill up.
We are here when you need us
Choose the way that suits you. Card and fraud issues can be reported at any time.
Common questions
Cannot find what you need? Our team is available Monday to Friday 8:00 AM to 8:00 PM ET, Saturday 9:00 AM to 4:00 PM ET.
How do I open an account?
Select Open an account, complete the enrollment form and confirm your email address with the code we send. It takes about ten minutes.
How do I sign in for the first time?
After you verify your email, sign in with your username or email and the password you created.
What is a transfer PIN?
A separate code you create to authorize transfers. It is different from your password and is never sent by email.
Why did my transfer ask for extra verification?
Some transfers need extra steps such as an emailed code. This protects you if someone else gets access to your password.
How long do transfers take?
Transfers between your own accounts are instant. ACH takes one to three business days and wires are same day.
Do you use text messages to verify me?
No. We only use email for verification and we do not use phone numbers to sign you in.
How do I get help?
Visit the Help Center, send a secure message from online banking or use the details on the Contact page.
How do I reset my password?
Choose Forgot password on the sign in page, confirm your email address and enter the code we send you.
Ready to open an account?
It takes about ten minutes. You will need your address, date of birth and an email address.