Am I eligible to open an account with HarborOne?
If you meet our eligibility requirements as stated in our
account disclosure, you are eligible to open an account with HarborOne.
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
Can I add a signer to my account?
You can add an additional signer to your account if they are eligible. To have this done, you and the additional person can visit any
HarborOne branch.
Can I receive my statements electronically?
Yes. Once logged into the Online banking, you can click on view statements and accept the terms & conditions. Then you will be able to receive your statements electronically with a monthly reminder email when the statement is ready .
How can I change or update my address, phone number, or email address?
To update or change an address, phone number, or email address you can log in to your online banking profile and visit the Service Center page or by sending us a secure message also done through your online banking profile. You can also visit any HarborOne branch or fax a signed request to our Customer Service Center at 508-521-2668.
How can I dispute a transaction on my account?
Contact our Customer Service Center at 1-800-244-7592 and speak to a representative on your options or visit any HarborOne branch.
You can order checks from within your online banking profile through the Service Center. (If it has been a significant amount of time since your last order you may need to contact HarborOne's Customer Service Center at 800.244.7592 or visit a branch to order your checks)
You can also order checks by clicking the link below:
Click here to order checks
Please note by clicking you will be leaving our website and entering a website hosted by another party. Although we have approved this as a reliable partner site, please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the HarborOne Bank website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of HarborOne Bank.
How do I close an account?
To close an account, you can visit any HarborOne branch. You can also send a secure message through the Service Center in your online banking or by faxing us a signed request to our Customer Service Center at 508-521-2668.
What address should I mail my loan payments to?
Make checks payable to HarborOne Bank, write the loan number on the check, include any payment coupon or billing invoice, and mail to:
HarborOne Bank
P.O. Box 4139
Woburn, MA 01888-9801
How do I get my 1099 or 1089 Statement?
1099 and 1098 statements are typically mailed by the end of January of each year. A 1099 is only generated if you have earned more than $10.00 in Interest in the prior year. A 1098 is only generated for a Real Estate secured loan (no consumer/auto loans). If you have misplaced your 1099 or 1098, you can contact our Customer Service Center at 1-800-244-7592 to have a duplicate resent to you.
How do I process a domestic wire transfer? An international one?
All wire transfers need to be initiated in person and in one of our branches. Wire transfers cannot be initiated via telephone. Fees will apply for all wire transfers.
Is there anything I can do to better protect myself against fraud?
Yes. There are some practical steps you can take to help protect yourself:
1. Check your account statement regularly and immediately report any transactions that you don't recognize.
2. Destroy all receipts before discarding them since some of them may have part of your card number printed on them.
3. Check your credit report at least annually to ensure its accuracy.
What do I do if I see a discrepancy on my bank statement account? On my credit card statement?
For deposit account or loan account discrepancies, please contact our Customer Service Center at 1-800-244-7592. For credit card discrepancies, if your card is serviced by Élan Financial Services, please contact them at 1-800-558-3424.
What do I need to do to change my legal name?
In order to have your name changed, please send a written request along with proof of your name change and valid identification (MA Driver’s license, passport) and send your request to:
HarborOne Bank
PO Box 720
Brockton, MA 02303
Or, you can visit any
HarborOne branch.
What is the Bank’s routing number?
HarborOne’s routing number is 211381372.
What is the difference when I make a purchase using my pin number versus not using my pin?
Purchases made with a pin number have funds deducted from the account immediately. Non pin based transactions typically take two to three days to debit an account but that time may vary depending on the merchant.
When are my funds available after a deposit?
Depending on what type of item is being deposited, the hold time may vary.
Please refer to our Terms & Conditions for further detail.
When will my statement produce?
Most statements on our deposit accounts will produce on or about the 20th of each month. However, this can be different depending on the type of account you have with HarborOne.
Where can I find my account number?
You can access your account number from a statement that has been mailed to you or by viewing an e-statement online by signing in to your online banking. Checking account numbers are also available on your checks.
Who do I contact for information on my account?
Why is there a hold on my account from a gas station for a different amount than what I pumped for?
Based on whether you used your pin number or not to make a gas purchase, the gas station may pre-authorize your debit card for an amount typically ranging from $1.00 to $100.00. Once the actual purchase amount posts to your account, the pre-authorized hold will release.
Why and how should I notify the Bank about my travel plans?
In the instance your debit card transactions are out of your regular pattern, our Fraud Division may attempt to contact you to verify your purchases. We suggest notifying us of any travel plans to help avoid your card from being restricted if you are using it outside of your typical purchasing area.
To notify us of your travel plans, log into online banking and follow the instructions below:
- Go to "Service Center" tab
- Under "Card Services" click "Notify HarborOne of My Travel Plans."
- Fill out the secure form
You can also call 800-244-7592.
Why was I assessed a Non-HarborOne ATM or withdrawal fee?
You may be charged a terminal fee by another bank when using your HarborOne Debit or ATM card at another Financial Institutions ATM when doing a transaction (including a Balance Inquiry).
For certain account types there is a Fee for Non-HarborOne transactions of $1.25 per transaction.
Why was I assessed an ATM fee?
Depending on the type of account you hold with HarborOne, we will assess an ATM fee of $1.25 for each transaction/inquiry made at a non HarborOne ATM. These fees will appear on your statement as an accumulation of those charges at the end of your statement cycle and not as individual charges.
Are there additional fees associated to debit card use if I am traveling internationally?
Yes. HarborOne will charge a 1% international transaction fee on all international transactions regardless of whether there is a currency conversion. This is a result of charges assessed to us by Visa on all international transactions.
Can I stop a pending debit card transaction?
A purchase that has been pre-authorized on your debit card by a merchant cannot be stopped by HarborOne. If the transaction is fraudulent the item can be disputed once it posts to the account.
Do I need to activate my new HarborOne debit or ATM card?
Yes. You will need to activate your card before using it by calling 1-800-448-8268.
Does HarborOne offer Apple Pay?
Yes, Apple Pay is now available for HarborOne Visa Debit Cards.
Learn more.
Does HarborOne offer credit cards?
Yes. HarborOne offers Visa and American Express cards thru our partner, Elan Credit Card Services. To apply, please contact our Customer Service Center at 1-800-244-7592 or for more information and apply online visit:
How can I report my credit card lost or stolen?
If your card is serviced by Elan Financial Services, you can report your card lost or stolen by calling 1-800-558-3424.
How do I report a Visa Debit or ATM card lost or stolen?
You can contact HarborOne at 1-800-244-7592 to report a lost or stolen card. You can also log in to your online banking profile and go to the Service Center to restrict your card.
Why is there a limit on my debit card?
Debit card limits are in place to protect you if your card is ever lost or stolen and used by an unauthorized person. If you need to make a purchase or withdrawal above your limit, kindly contact Customer Service to have your account reviewed for a temporary increase, or complete the secure form within the online banking service center.
Card Manager is a service available within our mobile app. This service allows you to manage and protect your debit card.
What type of phones are supported by Card Manager?
If your phone or tablet has the ability to download the HarborOne application you will be able to access this service.
What type of cards are supported with Card Manager?
Card Manager supports our personal and business debit cards.
Can I use Card Manager to turn my debit card on or off?
You can temporarily turn your debit card on or off. However, if your debit card is lost or stolen, please contact customer service at 800-244-7592 to report it after you disable the card in Card Manager.
Is there a fee for using Card Manager?
No there is not a fee to use this service.
Can I block all international transactions?
Yes you can block all international transactions.
How long does it take for a control or alert setting to take effect?
Once you have made your selection it goes immediately into effect.
If I have an alert setup already, how do I add another one on the same card?
You must edit your current alert to add additional alerts. You will not be able to select create a new alert if one exists already.
How do I setup alerts if I have more than one debit card?
If you have multiple cards, you will need to setup alerts and rules for each one.
If I have multiple debit cards will I be able to access all of them?
Card Manager will show all debit cards linked to the accounts available in your online / mobile banking account.