Getting started with Harvest can be summarized in a 3-step process:
- Signing Up
- Linking a Bank Account
- Submitting for Auto-Negotiate
Some of these steps require multiple sub-tasks but this article will outline exactly how to go through the process so we can help you get your fees back.
STEP 1: Sign Up
This one is pretty straightforward. Simply enter your first name, last name, e-mail and set a password and you're all set. You can also sign in with your Google account.
Step 2: Link Account
Next, you'll be brought to a screen that asks for you to link your account. Click on your bank's logo (or 'Other' if not there) and you will be prompted to sign in to your bank. Please make sure to enter all of the required information and wait for the connection to fully establish before clicking "Done." You may connect multiple banks at once or add additional banks later under your account profile page. It is important to note that we can only support Auto-Negotiate for banks listed here. However, our Assisted Negotiation, Debt Management, Expense Analysis and Recurring Payments tools are supported for over 15,000 institutions. As for security, we ensure that your information is protected under the most stringent protocols.
Step 3: Get your PRO Index
Once you link your accounts, you'll be brought to your Dashboard. The top widget you will see is the PRO Index widget. Click on the red text at the bottom of the widget that says '+ Add Missing Details To View Your PRO Index'. Here you can enter your Income and your Credit Score so that we can calculate your PRO Index. This information is voluntarily self reported. While you can omit these details, your PRO Index can only be as accurate as the information you provide.
Step 3: Submit for Auto-Negotiate
Almost there! The last step requires is different depending on the support status of your bank: Auto Negotiate or Assisted Negotiation. To start a negotiation click on the green 'Negotiate' button. Once you click that button you will be prompted to select the banks you want to negotiate. Banks supported for Auto Negotiate will appear under 'We Do It For You'. After selecting your bank(s) and agreeing to the terms and conditions, click next and follow the instructions provided.
*For Auto Negotiate users:
You will be asked to enter your credentials again as well as payment information that is only charged if we are successful in getting refunds. This is all required for us to establish a line of communication with your bank and negotiate your fees back. Once you confirm your submission, that's it! Our Auto-Negotiate tool will take care of the rest. You will be notified via e-mail within 2-5 business days about the status of your negotiation.