Checking Accounts

All HarborOne deposit accounts offer the following benefits:

  • Free Online Banking & Bill Pay
  • Visa® Debit Card
  • 24-hour Telephone banking
  • Free E-statements
  • Free Mobile Banking

Advantage Gold Checking

Our premier checking account, Advantage Gold offers the most comprehensive benefits based on your total deposits at HarborOne.

  • Minimum balance to open account: $10.00
  • Interest Bearing: Yes3 View Rates
  • Non-HarborOne ATM transactions/inquiry2 & 7: Free
  • Minimum average daily balance to waive monthly maintenance service charge: $15,000 Combined Balance8
  • Monthly Maintenance Service Charge: $20.00

Open an Advantage Gold Checking Account Now


HarborOne i-Checking is the account for the customers that like to manage their account with the use of electronic banking tools. This account pays a higher rate for those customers that actively use the HarborOne Debit Card, enjoy using the Online Banking and Bill Pay service and are enrolled in the HarborOne eDocument Delivery Service.

  • Minimum balance to open account: $10.00
  • Interest Bearing: Yes3 View Rates
  • Non-HarborOne ATM transactions/inquiry2: Free4
  • Minimum average daily balance to waive monthly maintenance service charge: $200.00
  • Monthly Maintenance Service Charge: $2.00

Open  an i-Checking Account Now

Checkit Checking5

Checkit is the fastest, easiest way to give your teen financial independence while instilling good money management skills. Just link your checking account to this account for your 15-21 year old student, and transfer funds into the student’s account, receive alerts, and monitor their spending. Give them the ability to manage transactions, either online or with a mobile device. Available for Students ages 15-21.

  • Minimum balance to open account: $10.00
  • Interest Bearing: No
  • Non-HarborOne ATM transactions/inquiry2 & 6: $1.25
  • Minimum average daily balance to waive monthly maintenance service charge: N/A
  • Monthly Maintenance Service Charge: Free

FreePlus Checking 1

A Free Checking account that’s actually free. With no requirements for minimum balance, direct deposit, or eStatements.

  • Minimum balance to open account: $10.00
  • Interest Bearing: No
  • Non-HarborOne ATM transactions/inquiry2 :$1.25
  • Minimum average daily balance to waive monthly maintenance service charge: N/A
  • Monthly Maintenance Service Charge: Free

Open  a FreePlus Checking Account Now

  1. An 18/65 checking account with special benefits is available for individuals age 18 and under or 65 and older
  2. Other institutions may also impose their own Surcharge Fee for use of their ATMs. To avoid this, look for a Surcharge Fee ATM with a SUM or MoneyPass
  3. Fees may reduce the earnings on the account
  4. I-Checking Eligibility Requirements - You must meet the following requirements each Calendar Month to maintain this account
    • Received your account statement electronically AND
    • At least one direct deposit must post to your account OR
    • At least ten (10) debit card point of sale transactions must post and clear to your account

Available for Personal accounts only if you meet the requirement for each calendar month we will waive the Non-HarborOne ATM Fee for that statement cycle.

  1. Checkit Eligibility Requirements - You must meet the eligibility requirements in order to open and maintain this account
    • You must be 15-21 years old, and, if less than 18 years old at the time of account opening, you must have your Parent or Guardian as a joint Owner on your account
    • You must have a Parent, or Guardian, who agrees to “link” their HarborOne checking account to your Student “checkit” Checking account in order to conduct transfers and/ or alerts
    • You must provide a current and valid Student ID card
    • At the 22nd birthday of the Student your account converts to a FreePlus Checking
  2. Fee waived for the first 8 ATM withdrawals in each statement cycle
  3. Fee waived for Advantage Gold Checking customers with Direct Deposit
  4. Combined balances includes Checking accounts, Savings accounts, Money Market accounts and CDs.

In order to open a HarborOne Bank, deposit account, you must have a valid mailing address (excludes PO Boxes) in New England ( including Massachusetts, New Hampshire, Maine, Rhode Island, Connecticut, and Vermont). If a customer already has a relationship with HarborOne Bank, we will open an account no matter the address (excludes PO Boxes).

Important Account Information & Disclosures

Fee Schedule