Share the goodness
Earn $50* when you refer a friend to HarborOne

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At HarborOne, we believe good things are meant to be shared.

Share the love by referring friends, family, neighbors, and colleagues to HarborOne. When they open a new personal checking account with qualifying activities*, you'll get rewarded.

Refer friends, earn rewards

How it works

Step 1

Spread the joy

Tell your friends about the great banking experience you have with HarborOne.

Step 2

They join & qualify

Your friend opens a new checking account with qualifying activities* and references your full name and phone number.

Step 3

You earn

We'll deposit $50* into your account for every successful referral. There's no limit to how much you can earn!

Benefits for new customers

Welcome to HarborOne!

When you open a new HarborOne checking account through a friend's referral, you'll enjoy:

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Trusted banking

Bank with a trusted financial partner that's been dedicated to serving the community for over 100 years. 

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Convenient access

Easily manage your accounts with intuitive mobile and online banking or stop by one of our 30 locations across MA & RI. 

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Exclusive offers

As a new checking customer, you earn access to offers (like this Refer a Friend program) and our new account bonus offer. 


Personalized support

Experience service that goes beyond transactions. Our team is here to understand your unique financial goals and support you every step of the way.

How to help your friend earn $50*

By joining HarborOne, you're also helping your friend earn a reward. Here's what you need to do:

  1. Open a new account: Start by opening a new personal checking with us. Reference your friend's full name and phone number associated with their account. 
  2. Maintain a balance: Keep a $500 monthly average balance for two consecutive months, starting after the first 30 days of opening your account.
  3. Use your account: Complete 10 transactions within the first 60 days of opening your account.

See all requirements in the disclosure. Once you complete these steps, your friend will receive $50 as a thank you for sharing the goodness of HarborOne with you. Plus, you'll get to enjoy all the benefits of being a HarborOne customer and can even start referring your own friends to earn rewards!

Open your new account to get started


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Explore your checking account options and open online today!

Open a checking 

In person

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Open in person at one of our convenient locations across MA or RI. 

Find a banking center

By appointment

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Bank by appointment in person, over Zoom, or by phone. Get started today.

Book an appointment


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Open your account over the phone by calling our customer service team.

Call us today

New checking customers can earn even more! 

Unleash a new account bonus up to $600**

**Learn more

*Offer valid as of June 1, 2024 to residents of MA, NH, and RI. The referring customer must have an existing HarborOne Bank personal checking account in good standing. By participating in this program, each party may be aware that the other is a HarborOne customer. For the referring customer to qualify to receive the $50 referral bonus, the newly referred personal checking customer must meet all offer criteria as outlined below: (1) Open any HarborOne Bank personal checking account. (2) Not have any existing or prior personal checking accounts with HarborOne Bank within the prior 180 days. (3) Maintain at least a $500 average monthly balance in your new checking account for 2 consecutive months, starting after 30 days of account opening. You will have the first 30 days to bring the average balance to $500. (4) Make 10 transactions within the first 60 days in their new personal checking account. Transactions include deposits, ATM Deposits or withdrawals, debit card purchases, checks, ACH Transaction, over the counter deposits and withdrawals. (5) Provide the referring customers full name upon account opening (and phone number if opened online). Once the offer criteria are met, the bonus will be credited into the referring customer’s HarborOne checking account no later than 120 days from the referred friend’s account opening date. Accounts must remain open, active, and in good standing in order to receive the bonus. If the checking account is closed by the referred customer or HarborOne Bank within 6 months after account opening, HarborOne Bank reserves the right to deduct the bonus amount from that account at closing. HarborOne Bank may issue you an IRS Form 1099-MISC, or other appropriate forms reporting the value of the Bonus. Offer may be withdrawn at any time and is subject to change. Referring HarborOne customers may refer unlimited friends. One bonus will be paid per qualifying new customer relationship, not for each account opened.