Review Loan > Banking Online > Harris Bank Online Banking

Harris Online Banking is the bank’s services via the Internet by thirty of the sixth ranking U.S. financial services organization called Harris Bank. It is also the 3rd largest private bank in Chicago, USA. The total assets of Harris Bank accumulate an enormous amount twenty-nine billion U.S. dollars and more. The branches of the bank located throughout Chicago, United States, almost 150 locations.

They are also active in the states of Arizona and Florida with 14 branches spread over these two states. Harris Online Banking services are one of the best in the whole banking sector. The motto of Harris Online Banking for quick and easy access to banking services through the use of advanced technologies and strategic partnership with IT companies such as Fidelity Information Services, which provides the requisite Harris Online Banking Fidelity’s Internet Banking applications.

Fidelity Information Services to help Harris Online Banking in materializing the following issues:

• It helps Harris Bank in the establishment and continued operation of banking services through online channels
• Fidelity Information Services to help the bank to integrate three separate entities of Harris Bank, namely, Internet Banking, Branch and Call Center Platform
• Fidelity Harris Online Banking helps in integrating data in the storage channel uses
• Harris Online Banking is helped by the Fidelity Information Services to use the outsourcing services in the development of the software application and support related responsibilities.
• The information helps the Company and Harris Bank in three key areas, such as software development services, help desk and customer support functions.

In case of Harris Online Banking, certain terms are needed to be revisited which possesses certain meaning when incorporated in the online banking parlance. Some of those terms include Account Access, Bill Payment, Bill Payment Account, has Account Agreement, Online Banking Services, Payee, Transfer, Password.

1. HSA Account Agreement – It is the agreement between the Customer and the Harris Online Banking where both the parties are bonded with each other through the terms and conditions and the related rules and regulations therein. This agreement is the deciding factor in transferring fund and availability of the same through electronic means, fee structure, etc.
2. Account Access – The registered customers of the Harris Bank can access their bank account and the relevant information through the medium of Internet and is known as “Account Access”.
3. Online Banking Services – It signifies that the customers can access their accounts and pay bills by taking help of the online services.
4. Bill Payment – The customers are entitled to give instruction to the bank via Internet and allow them to pay or transfer the requisite monetary amount from their account to the designated payee.
5. Bill Payment Account – This is the account of the customer which has been nominated by the customer to be debited by the Harris Online Banking when ever instruction is given by the customer himself through the Internet services.

Harris Online Banking requires its customers to have a bank account with it. This would entitle the customer with a User ID and a password for accessing the banking services through online channels. The password should be kept out of reach of any second person in order to avoid any fraudulent practices.

This Harris Online Banking account can be accessed by the customer on a 24×7 basis and from any place he/she wants provided the place has all the required Internet facilities. For accessing the same, the customer needs the following items and software’s:

• A Personal Computer
• A modem
• An Internet browser with the capacity of 128 bit
• Microsoft Internet Explorer (6th or higher version)
• Firefox (1.0 or higher version)
• AOL (eighth or higher version)

Now, let us come to the different products and services provided by Harris Online Banking to its revered customers. The customers are allowed to avail two types of services through online channels and they are:

Accessing the Personal Bank Account This account can be accessed by the customer at any time of the day. This access gets triggered whenever a person becomes an account holder of the Harris Bank. The associated services that can be accessed by the customer through Harris Online Banking services are :

• Balance in the personal account of the customer can be viewed
• Transaction details on the concerned account can be viewed
• Document copies can be ordered through the online services
• The customer has all the right to keep connection with the Harris Online Banking through sending emails
• Customer can view the images of the canceled check through online avenues for 2 months from the date of encashment
• The funds could be transferred from one account to the other, namely from the saving to line-of-credit and vice versa
• All the activities of the concerned account of the customer can be downloaded by the account holder into the software program designated for management of money
• Services related to the research of the account and check orders can be availed by the customer on request
• Bill Payment Services

The registered account holders of the bank cannot access this bill payment service automatically until and unless he/she gets himself/herself registered for the bill payment services separately. Bill payments can be done either through automatic means or recurring basis or on a periodic basis.

Harris Online Banking is provided to the customer free of cost but if any such charge is applicable on any online transactions then the bank is entitled to debit that sum from the account holder’s account.