Take advantage of the latest HarborOne Bank bonuses, promotions, and offers here.
Update 1/24/25: The $600 bonus has been extended through 3/31/25.
HarborOne Bank Bonuses Review
HarborOne Bank is one of the largest state-chartered co-operative banks in New England. They service the financial needs of their customers and local businesses through a vast network of branches.
I’ll review the current HarborOne Bank bonuses below.
HarborOne Bank $600 Checking Bonus
Earn a $600 bonus from HarborOne Bank when you open a new checking account.
- What you’ll get: $600 Bonus
- Eligible account: Checking
- Where it’s available: MA, NH, RI (Branch Locator)
- Credit Inquiry: Soft Pull
- Direct Deposit Required: Yes
- Monthly Fee: $0-$20; waivable
- How to earn it:
- To receive the $300 Checking bonus:
- 1) Primary tax owner must register for the bonus within 30 days of account opening at harborone.com/bonus, AND
- 2) Open and fund any new HarborOne personal Checking Account (depending on your source of funding it may take up to 3 business days); AND
- 3) Receive direct deposits totaling at least $2,500 per month, starting within 30 days of account opening, for 3 consecutive months.
- To receive the additional $300 Savings bonus:
- 1) New checking account must be opened on the same day as the Savings, MM, or CD.
- 2) All checking bonus requirements listed above must be met.
- 3) Open any new HarborOne Personal Savings, Money Market or CD account, (with the same tax ID # used when opening checking) with new money to HarborOne, in accordance with the minimum opening balance requirement, AND maintain at least a $10,000 combined average monthly balance in your new Savings or MM or CD account each month for 3 consecutive months, starting after 30 days of account opening. You will have the first 30 days to bring the average balance to $10,000.
- To receive the $300 Checking bonus:
(Expires 03/31/2025)
| Chase Total Checking ($300 Bonus) | KeyBank Checking ($300 bonus) |
| Bank of America Checking ($300 Bonus Offer) | SoFi Checking & Savings Account ($325 bonus) |
Fine Print
- 600 Bonus offer is available 2/1/24 – 3/31/25: $600 Criteria for New Customers: New customer to the Bank; Existing customer that did not have a checking account; Existing customer that is not the tax owner on any existing checking account; Considered new if the customer has not had a checking account in prior 12 months; If multiple accounts are opened with the same signer, only one account will be eligible for the incentive.
- To receive the $300 Checking bonus: 1) Primary tax owner must register for the bonus within 30 days of account opening at harborone.com/bonus, AND 2) Open and fund any new HarborOne personal Checking Account (depending on your source of funding it may take up to 3 business days); AND 3) Receive direct deposits totaling at least $2,500 per month, starting within 30 days of account opening, for 3 consecutive months. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits such as social security from your Employer or the Government. Direct Deposits that do NOT qualify include: Deposits to your account made by an individual using online banking or internet payment providers, Person to Person and bank transfers between your existing HarborOne Bank accounts or accounts you have at other financial institutions or brokerages.
- To receive the additional $300 Savings bonus: 1) New checking account must be opened on the same day as the Savings, MM, or CD. 2) All checking bonus requirements listed above must be met. 3) Open any new HarborOne Personal Savings, Money Market or CD account, (with the same tax ID # used when opening checking) with new money to HarborOne, in accordance with the minimum opening balance requirement, AND maintain at least a $10,000 combined average monthly balance in your new Savings or MM or CD account each month for 3 consecutive months, starting after 30 days of account opening. You will have the first 30 days to bring the average balance to $10,000.
- Bonus Conditions: Account must remain open, active, in good standing, and in the same product type through the 5 month period from account opening to receive the bonus for noted offers above. Once the offer criteria is met, the bonus will be credited into the new personal checking or into the savings or MM or CD account no later than 20 days from 5 month anniversary of account opening. We offer checking and savings accounts with Annual Percentage Yields (APYs) that depend on the type of account you choose. For representative examples see below. The APY’s are accurate and effective as of 2/1/24 for the following representative examples below: Checking: iChecking with a minimum balance of $0.01 – $19,999.99 will earn an APY of 0.02%; $20,000 or more will earn 0.02%-.01%; if eligibility requirements are not met, the entire balance will earn an APY of 0.01%. To maintain iChecking account you must meet the following eligibility requirements each calendar month: Receive your account statement electronically AND at least one direct deposit must post to your account OR at least ten debit card point of sale transactions must post and clear to your account. iChecking requires a minimum of $10 to open the account. You must maintain a minimum average daily balance of $200.00 to avoid a $2 monthly maintenance service charge. Savings: Our statement savings account pays a 0.02% APY and requires a minimum of $5.00 to open the account. You must maintain a minimum average daily balance of $200.00 or combined average daily balances of $2,000.00 to avoid a $2 monthly maintenance service charge. Combined balances include Checking accounts, Savings accounts, Money Market accounts, and CDs. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account. Bonuses are considered interest and will be reported on IRS Form 1099-INT. Please consult your tax adviser. Offer is subject to change or cancellation without notice. HarborOne Bank employees are not eligible. Bonus offers do not apply to those customers who have been paid a promotional premium in the past.
HarborOne Bank $750 Checking & Savings Bonus (Metro Boston Area) (Expired)
Earn a $750 bonus from HarborOne Bank when you open a new Checking and Savings Account.
- What you’ll get: $750 Bonus
- Eligible account: Checking, Savings
- Where it’s available: MA, NH, RI
- Credit Inquiry: Soft Pull
- Direct Deposit Required: Yes
- Monthly Fee: $0-$20; waivable
- How to earn it:
- $450 Checking bonus:
- Open any new HarborOne personal Checking Account.
- Receive direct deposits totaling at least $2,500 per month, each month starting within 60 days of account opening through the 6 month anniversary of account opening.
- $300 Savings bonus:
- Open any new HarborOne Personal Savings account in accordance with the minimum opening balance requirement and maintain at least a $15,000 average monthly balance each month, starting within 60 days of account opening through the 6 month anniversary of the Checking Account Opening.
- Must also complete checking bonus requirements to be eligible for this additional $300.
- $450 Checking bonus:
(Expires 10/31/2022)
| Chase Private Client ($3,000 Bonus) | Fifth Third Preferred Checking ($300 Bonus) |
| KeyBank Checking ($300 bonus) | |
Fine Print
- Criteria for New Customers: New deposit customer to the Bank who has not had any HarborOne deposit account in prior 12 months; Existing customer who did not have a deposit account; Existing customer who is not the tax owner on any existing deposit account; If multiple accounts are opened with the same signer, only one account will be eligible for the incentive.
- To receive the $450 Checking bonus: 1) Open any new HarborOne personal Checking Account; AND 2) Receive direct deposits totaling at least $2,500 per month, each month starting within 60 days of account opening through the 6 month anniversary of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits such as social security from your Employer or the Government. Direct Deposits that do not qualify include: Deposits to your account made by an individual using online banking or internet payment providers, Person to Person and bank transfers between your existing HarborOne Bank accounts or accounts you have at other financial institutions or brokerages.
- To receive the $300 Savings bonus: 1) Open any new HarborOne Personal Savings account in accordance with the minimum opening balance requirement and maintain at least a $15,000 average monthly balance each month, starting within 60 days of account opening through the 6 month anniversary of the Checking Account Opening; AND 2) Must also complete checking bonus requirements to be eligible for this additional $300.
- Bonus Conditions: Account must remain open, active, in good standing, and in the same product type through the 6 month period from account opening to receive the bonus for noted oers above. Once the offer criteria is met, the bonus will be credited into the new personal checking or savings account no later than 20 days from 6 month anniversary of account opening.
How To Waive Monthly Fees
- Advantage Gold Checking: $20, $15,000 Combined Balance to waive
- i-Checking: $2, $200 Combined Balance to waive
- Checkit Checking: None
- FreePlus Checking: None
- Remarkable Savings: $2
- Statement Savings: $2, $200 or combined average balance of $2,000
- Business Advantage Savings: $3, Minimum daily balance to waive Monthly Maintenance Service Charge – $1,000
- Business Value Checking: None
- Business Advantage Checking: $20, Minimum average daily balance to waive Monthly Maintenance Service Charge – $15,000 Combined Balanced
 |
 |
Conclusion
Are you currently a resident of one of the qualified states and would like to open a new checking account? How does extra cash in your pocket sound just for simply meeting the requirements? If you answered yes to the questions above, then the current promotion from HarborOne Bank is a great option for you!
While these bank promotions are rather attractive, you can also take advantage of our list of Savings, Money Market, and CD rates.
However, if you do not live in Massachusetts, New Hampshire, or Rhode Island, definitely take a look at our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.
Feel free to comment on this post with any questions you may have about HarborOne Bank, their accounts they offer, or any experiences you have had!
Check back often for more HarborOne Bank Bonuses, Promotions, or Offers!
Does anyone know what counts as a direct deposit for harbor one? I haven’t been able to find any data points.