My Account FAQs

If you meet our eligibility requirements as stated in our account disclosure, you are eligible to open an account with HarborOne.

Your deposits with HarborOne Bank are insured and backed by the financial stability of an institution that has been around for over 100 years. All deposits at HarborOne Bank are insured through the Federal Deposit Insurance Corporation (FDIC), which covers up to $250,000 per depositor.

Learn more about FDIC Insurance:

What is FDIC Insurance?
The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects depositors against the loss of insured deposits if an FDIC-insured bank or savings association fails. FDIC deposit insurance is backed by the full faith and credit of the United States government. Since the FDIC was established, no depositor has ever lost a single penny of FDIC insured funds.

Which accounts does FDIC insurance cover?
FDIC insurance cover funds in deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit (CDs). Coverage is automatically applied to all accounts; depositors do not need to apply for these insurances.

What is not covered by deposit insurance? 
FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual funds, life insurance policies, annuities or securities.

For additional information on FDIC insurance:

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 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 button below.

Order Checks

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 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 800-244-7592. For credit card discrepancies, if your card is serviced by Élan Financial Services, please contact them at 800-558-3424.  

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.

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 – 7PM and Saturdays from 8AM-2PM. They can be reached by calling 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 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.

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