You open the account.

We'll deliver the $300 bonus*

Learn More About our Checking Accounts

First, register.

  • Register for the bonus within 60 days of opening your new checking account to be eligible.

  • Use the same email address used when opening your new checking account.

Next, Earn $300

Earn $300 when you open a new checking account with HarborOne and make direct deposits totaling at least $2,500 per month.

Open a HarborOne Checking Account Now

*All rates and Annual Percentage Yields (APYs) are subject to change without notice. Limited Time Offers. All variable rate accounts may change after your account is opened. Fees may reduce earnings. Personal Accounts only. Offer available only to residents of MA, NH, and RI. Offer subject to change at any time.

$300 Bonus: This bonus offer is effective as of 8/1/2023 for new customers.  Criteria for new Customers: New customer to the Bank; Existing customer that did not have a checking account; Existing customer that is not the tax owner on any existing checking account; Considered new if the customer has not had a checking account in prior 12 months; If multiple accounts are opened with the same signer, only one account will be eligible for the incentive. 

To receive the $300 Checking bonus:

  1. Primary tax owner must register at for the bonus within 60 days of account opening AND
  2. Open and fund any new HarborOne personal Checking Account AND
  3. Receive direct deposits totaling at least $2,500 per month, within 60 days of account opening Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits such as social security from your Employer or the Government. Direct Deposits that do NOT qualify include: Deposits to your account made by an individual using online banking or internet payment providers, Person to Person and bank transfers between your existing HarborOne Bank accounts or accounts you have at other financial institutions or brokerages. 

Bonus Conditions: Account must remain open, active, in good standing, and in the same product type through the 60 day period from account opening to earn the bonus for noted offer above. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 80 days from account opening. 

We offer checking and savings accounts with Annual Percentage Yields (APYs) that depend on the type of account you choose. For representative examples see below. 

The APY’s are accurate and effective as of 8/1/23 for the following representative examples below: 

Checking: iChecking with a minimum balance of $0.01 - $19,999.99 will earn an APY of 0.02%; $20,000 or more will earn 0.02%-.01%; if eligibility requirements are not met, the entire balance will earn an APY of 0.01%. To maintain iChecking account you must meet the following eligibility requirements each calendar month: Receive your account statement electronically AND at least one direct deposit must post to your account OR at least ten debit card point of sale transactions must post and clear to your account. iChecking requires a minimum of $10 to open the account. You must maintain a minimum average daily balance of $200.00 to avoid a $2 monthly maintenance service charge. Savings: Our statement savings account pays a 0.02% APY and requires a minimum of $5.00 to open the account. You must maintain a minimum average daily balance of $200.00 or combined average daily balances of $2,000.00 to avoid a $2 monthly maintenance service charge. Combined balances include Checking accounts, Savings accounts, Money Market accounts, and CDs. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account. Bonuses are considered interest and will be reported on IRS Form 1099-INT. Please consult your tax adviser. Offer is subject to change or cancellation without notice. HarborOne Bank employees are not eligible. 

Bonus offers do not apply to those customers who have been paid a promotional premium in the past 24 months.