Answers to the questions we hear most often.
Everything you need to know about opening an account, using your card, transferring money and managing your finances — in plain language.
Opening, managing and closing accounts.
Activating, using and securing your cards.
Transfers, fees and receiving money.
Browse the answers below. Can't find what you're looking for? Get in touch and we'll help you directly.
You can open an account online in minutes. Choose your account, complete the application form and verify your identity with a valid government ID and proof of address. Your account details are available as soon as your application is approved.
You'll need a valid government-issued photo ID (passport or driver's licence), proof of address dated within the last three months, and your tax or social security number.
Our everyday accounts have no monthly fee and no minimum balance. Premium accounts may include a small monthly fee, which is clearly shown before you apply.
You can close your account by contacting us or visiting a branch. Make sure your balance is zero and that you've cancelled any direct debits or standing orders first.
When your card arrives, activate it through digital banking or by calling the number on the sticker. You'll choose your PIN during activation.
Freeze your card immediately in digital banking or call us on +1 (281) 473-3980. We'll issue a replacement card and reverse any unauthorised transactions.
You can change your PIN at any Harborlight Trust ATM or through the self-service option in your digital banking app.
Domestic transfers usually arrive the same working day. International transfers typically take 1-3 working days depending on the destination and currency.
We charge a small transfer fee plus a transparent exchange-rate margin. You'll always see the total cost before you confirm a payment.
Log in to digital banking, go to Payments and choose 'Standing order' or 'Direct debit'. Set the amount, frequency and end date, then confirm.
Yes. Provide the sender with our bank details and your account number. Incoming international transfers are credited to your account once cleared.
On the login screen, select 'Forgotten password' and follow the steps to verify your identity. For your PIN, use the self-service option in digital banking or contact us.
Yes. We use bank-grade encryption, multi-factor authentication and 24/7 fraud monitoring to keep your account and data safe. Learn more on our Security Center page.
In digital banking, go to Settings and choose Alerts. You can receive notifications for purchases, withdrawals, deposits and unusual activity.
You'll need a regular income, a valid ID and proof of address. Your credit history and affordability are reviewed as part of your application. Use our loan calculator to estimate your payments.
Most personal loan applications are decided within one working day. Once approved, we'll send you a loan agreement to review and sign before funds are released.
Contact our team and we will help you directly.
