DIAL (Direct Inquiry Advantage Line)

The DIAL system allows a customer access to their account and other banking services 24 hours a day, seven days a week, from any touch-tone phone anywhere. DIAL keeps customers in touch with their savings and checking accounts, loans, IRA accounts, and CODs. You can transfer money, make loan payments, check account balances, and obtain personal check-clearing and deposit information. All this information and these services are available at no charge through the DIAL system. You can use DIAL bill paying service to automate your payments as well.

Features/Benefits:
• Available 24 hours a day, seven days a week
• Inquire into checking, savings, IRA's, CODs, and loans
• Transfer funds between accounts
• Pay loan payments
• Pay bills
• Obtain information on checks that have cleared

Internet Banking

There's no software to install, upgrade, maintain, or download. You can access your Habersham Bank accounts from any of your home PCs or from personal computers that are linked to the Internet. Click here for more information.

Bill Payment

Customers can pay bills from their Habersham Bank checking account. It only takes a few seconds to pay each bill and eliminates the need for stamps and addressing envelopes. Then select the vendors you wish to pay, give us the account number with that vendor and we will set them up. You can access the bill payment through internet banking (Personal and Business) or DIAL.

Features:
• Customers can schedule a payment on a future date
• It saves money by eliminating the use of checks, envelopes, and stamps
• Bill payment transactions are confidential
• Each payment you make is detailed on your monthly statement
• You can make transactions as often as you like during the month
• Payments will normailly reach their destinations within 4 to 5 business days, sometimes
  faster

Automated Teller Machine (ATM) Cards

With an ATM card and a PIN, you can make deposits or withdrawals from ATM's. They can be used at ATM's with the STAR logo and at point of sale terminals with the STAR logo. ATM's are the most popular type of electronic delivery system used by bank customers today. They allow customers to conduct routine transactions, such as cash withdrawals, balance inquiries, and transfers. Available 24 hours a day. There is no ATM fee if you have a checking account with Habersham Bank.

MasterMoney™ (debit card)

With a MasterMoney™ Debit Card from Habersham Bank, a customer can make purchases at any merchant location around the world that accepts MasterCard. You just present your Habersham Bank MasterMoney™ Debit Card, sign the reciept, and be on your way. Because MasterMoney™ Debit Cards are accepted just like credit cards, you don't need to use a personal identification number to make a purchase. Funds are drawn from your checking account so there is no interest or finance charges. Get quick cash at ATM's around the globe. Customers can use Habersham Bank MasterMoney™ Debit Card to obtain cash at H24 Bankers or STAR ATM's, as well as the MasterCard/Cirrus ATM Network locations throughout the country and the world.

Features:
• Make deposits (at Habersham Bank locations only)
• Withdraw cash
• Transfer money between accounts
• Check balances
• Make loan payments
• Purchase goods and services
• Funds are drawn from a checking account
• Convenience 24 hours a day
• Worldwide access to funds
• ATM's available 24 hours a day 365 days a year
• Withdraw cash from a checking and savings account and get the balance at any STAR   Network ATM   throughout Georgia and Worldwide
• Operates with the use of a personal identification code at ATM's.