Checking Accounts
At HarborOne you can have your paycheck directly deposited into your account. We also offer free Online Banking and Bill Payment, free e-statements, 24-hour touch tone banking a 24-hour Visa® Debit Card and if you qualify, Discretionary Overdraft Privilege. Refer to the easy product comparison guide below for additional information on the HarborOne Checking Accounts.
Totally Free Checking
Regardless of the balance you maintain with HarborOne, Totally Free Checking is the account for you. This account is convenient, free and requires no minimum balance to avoid monthly service fees. If you typically keep a low balance in your checking account this account may be right for you.
i-Checking
HarborOne i-Checking is the account for the customers that like to manage their account with the use of electronic banking tools. This account pays a higher rate for those customers that actively use the HarborOne Debit Card, enjoys using the Online Banking and Bill Pay service and is enrolled in the HarborOne eDocument Delivery Service.
Advantage Blue Checking
Enjoy financial benefits based on your total deposits with HarborOne. This is where your total deposits in all HarborOne accounts make a difference for you. By maintaining the combined minimum balance you also enjoy 4 free foreign ATM transactions per month plus your first order of checks is free. Having an Advantage Blue Checking also makes you eligible for our Advantage Money Market account.
Advantage Gold Checking
Our premier checking account, Advantage Gold offers the most comprehensive benefits based on your total deposits at HarborOne including access to the Advantage Gold Money Market Accounts.
To open an account, visit your local branch, apply online or call our Customer Service Center and speak with a Representative at 1.800.244.7592.
| COMPARE CHECKING ACCOUNTS 1 | ||||
| Totally Free Checking | iChecking7 | Advantage Gold Checking | Advantage Blue Checking | |
| Online Banking | Free | Free | Free | Free |
| Online Bill Payment | Free | Free | Free | Free |
| Transaction charges | Free | Free | Free | Free |
| Free Checks2 | NA | Free | Free | First order free |
| Interest bearing | No | Yes | Yes | No |
| Non-HarborOne ATM transactions3 | $1.25 | Free | Free | $1.25 |
| Surcharge Free ATMs4 | Yes | Yes | Yes | Yes |
| Discretionary Overdraft Privilege5 | Yes | Yes | Yes | Yes |
| Minimum daily balance to waive monthly service fee | N/A | N/A | $15,000 Combined Balance | $3,000 Combined Balance |
| Monthly service fee6 | Free | Free | $20 | $15 |
- An 18/65 checking account with special benefits is available for individuals age 18 and under or 65 and older.
- Standard style checks only.
- Other institutions may impose a fee for use of their ATMs. For i-Checking if eligibility requirements are not met a $1.25 fee will be charged.
- Foreign Terminal must be on the CU24, Sum, or MoneyPass Network to avoid the surcharge fee.
- Subject to qualified applicants.
- Fees may reduce the earnings on the account.
- Eligibility Requirements
- Receive your account statement electronically (free!)
- Maintain Online Banking Account(free!)
- At least 10 debit card purchase transactions per calendar month (signature or pin)
- At least one direct deposit or ACH per statement period
- Personal accounts only.
- If you meet the Requirement for the qualification cycle we will waive the Foreign ATM Fee for that statement cycle. HarborOne reserves the right to transfer this account to a Totally Free Checking account if the eligibility requirements are not met for three consecutive months.
