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

Compare Checking Accounts

Find the right checking account

Advantage Gold Checking

Open an Advantage Gold Checking Account Now

Our premier checking account, Advantage Gold offers the most comprehensive benefits based on your total deposits at HarborOne. This account offers a suite of features, including unlimited check writingm, free online and mobile banking, and access to over 55,000 surcharge-free ATMs.



Open  an i-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.

Checkit Checking

Open  a Checkit Checking Account Now

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 13-21 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 13-21.

FreePlus Checking

Open  a FreePlus Checking Account Now

A Free Checking account that’s actually free. With no requirements for minimum balance, direct deposit, or eStatements. This account comes with no monthly maintenance fees and no minimum balance requirements, making it accessible and budget-friendly. Additionally, the FreePlus Checking account includes complimentary bill pay services and a debit card, enhancing convenience for everday transactions.

Compare Accounts

Checking AccountMinimum opening depositMinimum daily balanceMonthly feeInterest BearingCharge for use of non-ECSB ATMs
Advantage Gold Checking$10$15,000$20Yes$0
Checkit Checking5$10$0$0No$1.25
FreePlus Checking1$10$0$0No$1.25
  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. The student must be 13-21 years old, and, if less than 18years old at the time of account opening, the student must have a Parent or Guardian as a joint Owner on the account. The student must have a Parent, or Guardian, who agrees to “link” their HarborOne checking account to the Student “Checkit” Checking account in order to conduct transfers and/or alerts. At the 22nd birthday of the Student the 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