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Megan Harkins

Wealth Management Banker - U.S. Bank

Professional designations, credentials and licenses

NMLS 2063000

Clients I specialize in: Women, New investors, Nearing retirement

It is my pleasure to serve the financial needs of people in Monterey, Carmel and Watsonville. My experience in the financial industry started in 2016 and I became a Wealth Management Banker in 2023.

I want to make managing your finances as easy as possible for you. As your Wealth Management Banker, I will partner with an investment professional to bring you a holistic approach to financial management. We will collaborate to understand your financial situation and propose personalized strategies to help you work toward your financial goals.

In my free time, I enjoy finding new local food places to try, traveling every chance I can and driving down the coast to visit with my family.

Services I specialize in

A home equity line of credit, or HELOC, works like a credit card that’s secured by the equity you have in your home, and can be a cost-effective way to pay for major purchases.

Lines of credit that are secured (meaning guaranteed by collateral such as your home) or unsecured can be a good option if you need ongoing access to funds or don’t know the full cost of an upcoming project.

To support your personal or business needs we offer a range of premier banking products, financing options and exclusive benefits, plus 24/7 account management through digital channels.

Liquid asset secured financing – a line of credit secured by eligible assets in your investment account – can be useful when you want to generate cash flow quickly for a financial opportunity or challenge.

Contact

831-220-7714

Primary office

495 Washington St
Monterey, CA, 93940

Get Directions

2010 Freedom Blvd
Freedom, CA, 95019

1400 Munras Ave
Monterey, CA, 93940

26380 Carmel Rancho Ln
Carmel, CA, 93923

655 Main St
Watsonville, CA, 95076

Skills

Bachelor of Arts in Collaborative Health & Human Services from CSU Monterey Bay

About Wealth Management from U.S. Bank and U.S. Bancorp Advisors

Our integrated wealth management approach gives you access to a dedicated advisor, backed by a team of specialists. We offer financial strategies to individuals and families across a wide range of wealth levels. Our U.S. Bank specialists offer banking, trust and investment support while our U.S. Bancorp Advisors professionals focus on investments, planning and insurance.

Explore our news and insights

Market news

Read our up-to-date reports on economic events and news from the markets.

Women and money

U.S. Bank is committed to providing financial advice for women throughout their wealth journey. Explore women and wealth articles, insights and research.

Cash management and investing strategies when interest rates are changing

A fresh look at managing cash and investments in today’s changing interest rate environment.

FAQ

Working as your partner, U.S. Bank Wealth Management can develop strategies to help you optimize the management, preservation, and growth of your working capital. We do this by:

Understanding your financial goals and what’s important to you
Developing strategies for maintaining access to cash as you explore new opportunities
Using customized credit options that focus on your specific goals
Providing tools that can help streamline your daily banking activities and complement other aspects of your financial life

Wealth Management Bankers advise you on creative ways to manage both your assets and liabilities. This may include custom credit and loans, mortgage services, jumbo loans, home equity lending, secured lines of credit, and loans, including liquid asset secured financing and more.

We’re happy to meet with you virtually or in person. It’s up to you.