Frequently Asked Questions

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.

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

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 . 

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.

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.

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.

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

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. 

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. 

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.

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. 

HarborOne’s routing number is 211381372.

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.

Depending on what type of item is being deposited, the hold time may vary. Please refer to our Terms & Conditions for further detail.

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.

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.

HarborOne’s Customer Service Center is open Monday thru Friday from 8AM – 8PM and Saturdays from 8AM-2PM. They can be reached by calling 1-800-244-7592.

Visit our Customer Service Center page

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.

In the instance your debit card transactions are out of your normal pattern, our Fraud Division may make the attempt to contact you to verify your transactions. 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. 

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.

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.

Yes, if your phone is fingerprint capable you can use it to log in to your HarborOne mobile app.
Learn more.

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.

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. 

Yes. You will need to activate your card before using it by calling 1-800-448-8268.

Yes, Apple Pay is now available for HarborOne Visa Debit Cards. 
Learn more.

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:

If your card is serviced by Elan Financial Services, you can report your card lost or stolen by calling 1-800-558-3424. 

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.

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. 

No. We have several payment options and you are not required to have online banking to make any payment. 

For payment options click here

Visit our Small Business Loans page by clicking here

If you receive loan or mortgage bills, a Change of Address form appears on the reverse side of each bill. Just complete it with your updated address and mail to us along with your next payment.  Or if you received a loan Coupon Book, you may tear out the Change of Address form at the front of your book to complete and mail to us with your next payment.  

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

No.  HarborOne U classes are open to the public. 

Click here for instructions to create a profile and register for a class at our Mansfield or Brockton Campus

If you have not already done so, please create a profile with your contact information, username and password.  (Keep your new username and password in a safe place. You will need this each time you want to register for classes.)  Sign in to your HarborOne U profile. View All Upcoming classes, click on Class Details for the class you are interested in. Once on the class page, click Register. You will then see a message that says “You have successfully registered for this class.”

Click here for detailed intructions

Yes. We offer two types of classes: Certified and Non-certified. 

View our upcoming classes to see when it will be offered. Learn more >

Many classes at HarborOne U are free.  However there are a few classes that a fee is required and that fee will be displayed on the flyer and the website registration page. Some classes that a fee is required include, but are not limited to: Certified First Time Home Buyer, ESOL and Citizenship preparation.

View all of our upcoming classes

  1. Go to  
  2. Click on “Forgot password?” 
  3. Your username is your email address. If you cannot remember please call 508-895-1300.

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