HOA Association Deposit Services

Our goal is to provide customized product offerings designed to suit your needs and streamline your homeowner association banking. From online banking, including treasury management, to remote deposit capture we have you covered. Scan, submit and conduct your banking on the go with the latest technology.


Competitive Checking, Savings, and Certificate of Deposit Products:

  • Commercial Checking Account
  • Commercial Interest Checking Account
  • Commercial Money Market Account
  • Commercial Savings Account
  • Certificates of Deposit – 3 to 36 month terms
  • Merchant Services – credit and debit card payment processing

Select Business Remote Deposit Capture:

  • Multi-Check Mobile Deposit
  • Desktop Scanners

Business Digital Banking, including Treasury Management Services:

  • Highly customizable options
  • Multiple users and levels of access
  • Wire transfers
  • ACH transactions
  • Positive Pay
  • Electronic Billing

Lockbox Services

Business Debit Card


HOA Association Lending Services

Even the best managed properties may need financing at one time or another. Harmony Bank offers loans to help meet maintenance, improvement, and development needs for condominium and homeowner’s associations in amounts up to $10,000,000. Decisions are offered quickly with expedited underwriting on all requests up to $1,000,000. Loans to Condominium Associations or HOA's provide individual unit owners the ability to pay reasonable monthly assessments, while allowing the Association to complete projects immediately, without depleting association reserves.

What we offer:

  • Terms from 1 to 15 years
  • Loan amounts from $100,000 to $10,000,000
  • Competitive interest rates (fixed and variable)
  • No prepayment penalty to Association unless refinanced by another lender
  • No deposit account requirement
  • Flexible funding – credit line or full, up-front funding
  • Quick decisions – feedback offered within a few business days of receiving requested information

Financing a capital maintenance project is a weighty decision, which is not right for every Association. With our flexible and personal approach, Harmony Bank can help find a solution that works for your Association. If you have any questions about our Community Association loans, please contact us. We are happy to be of service!

For more information, please contact:

Kristen Scott
Assistant Vice President, Association Lending Officer
[email protected]
(903) 340-0905