Checking Accounts

All HarborOne deposit accounts offer the following benefits:

  • Free Online Banking & Bill Pay
  • Visa® Debit Card
  • 24-hour Telephone banking
  • Free E-statements
  • Free Mobile Banking

1. An 18/65 checking account with special benefits is available for individuals age 18 and under or 65 and older
2. Standard style checks only
3. Other institutions may also impose their own surcharge for use of their ATMs. To avoid this, look for a non-surcharge ATM with a SUM or MoneyPass
4.  Fees may reduce the earnings on the account
5. I-Checking Eligibility Requirements
You must meet the following requirements each Calendar Month to maintain this account

  • Received your account statement electronically AND
  • At least one direct deposit must post to your account OR
  • At least ten (10) debit card point of sale transactions must post and clear to your account
Available for Personal accounts only if you meet the requirement for each calendar month we will waive the Foreign ATM Fee for that statement cycle. HarborOne reserves the right to transfer this account to a non interest checking account if the eligibility requirements are not met for three consecutive months.

6. Checkit Eligibility Requirements
You must meet the eligibility requirements in order to open and maintain this account
  • You must be 15-21 years old, and, if less than 18 years old at the time of account opening, you must have your Parent or Guardian as a joint Owner on your account
  • You must have a Parent, or Guardian, who agrees to “link” their HarborOne checking account to your Student “checkit”   Checking account in order to conduct transfers and/ or alerts
  • You must provide a current and valid Student ID card
  • At the 22nd birthday of the Student your account converts to a FreePlus Checking
7. Fee waived for the first 8 ATM withdrawals in each statement cycle
8. Fee waived for Advantage Gold Checking or The Works Checking customers with Direct Deposit


In order to open a HarborOne Bank, deposit account, you must have a valid mailing address (excludes PO Boxes)  in New England ( including Massachusetts, New Hampshire, Maine, Rhode Island, Connecticut, and Vermont).  If a customer already has a relationship with HarborOne Bank, we will open an account no matter the address (excludes PO Boxes).

Important Account Information & Disclosures

Fee Schedule