Banking that Serves the Community

Harbord Financial Services (HFS) Limited is the franchisee of Community Bank Freshwater Bendigo Bank, which offers full banking services, while HFS Limited provides substantial support and resources to its local community through Community Partnership, funding and grants. Since its inception in 2002, HFS Limited has given back more than $3 million to its local community.

a bank - built by the community for the community

By choosing to become a HFS Limited customer, you can make a real difference by helping to invest in the growth of your local community. Our customers are helping support more than 90 local community services, not-for-profit organisations and charities.

By having your Home loan, Personal loan, Credit Card, Insurances, Business banking & any other banking with Community Bank Freshwater Bendigo Bank you are supporting the local community.


Get to know the stories of those involved with Freshwater Community Bank


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Community Gardens

We support community gardens and land care groups

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Sports Events & Clubs

We help fund sports clubs, sports events, children playgrounds and more

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Our Youth

We support youth with scholarships and families with cultural activities

Freshwater Beach


Shop 1/9-15 Lawrence St
Freshwater NSW 2096

Phone: (02) 9939 6744

Hours: Monday-Friday 9.30am–5pm
Saturday-Sunday Closed

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