HarborOne Bank Promotions: $600, $1000 Checking, Business Bonuses (MA, NH, RI) – Ends 9/30/25

• 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.

• $600 Bonus offer is available 2/1/24 – 9/10/25: $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 May 1, 2025 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% – 0.01%; 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.

• Business owner/signer on the new Business Checking account must register for the bonus within 30 days of account opening at harborone.com/businessbonus;
• Open and fund new Business Checking Account,
• New money to HarborOne must be used to open the account and maintain the average daily balance requirement in accordance with the minimum opening balance requirement and the average daily balance requirement,
• HarborOne loan proceeds and transfers from an existing HarborOne account are not considered “new money” and are not eligible for either the minimum opening balance requirement or the average daily balance requirement,
• Must maintain at least a $15,000 average daily balance in your new Business Checking account, starting 30 days after account opening through 12/31/25. You will have the first 30 days to bring the balance to $15,000.

• Limited Time Offer. Business Checking Accounts only. Offer available only to businesses of MA, NH, and RI. Offers subject to change at any time.
• * $1,000 Bonus offer is available 5/19/24 – 9/30/25:
• $1,000 Criteria for New Business Customers: New business customer to the Bank; Considered new if the customer has not had a business checking account in the previous 12 months; If multiple accounts are opened with the same signer, only one account will be eligible for the incentive. Business checking account must maintain a $15,000 average daily balance through 12/31/25. Complimentary Cash Management services through 12/31/25.
• ** To receive the additional $1,000 Business Checking bonus:
• Business owner/signer on the new Business Checking account must register for the bonus within 30 days of account opening at harborone.com/businessbonus;
• Open and fund new Business Checking Account,
• New money to HarborOne must be used to open the account and maintain the average daily balance requirement in accordance with the minimum opening balance requirement and the average daily balance requirement,
• HarborOne loan proceeds and transfers from an existing HarborOne account are not considered “new money” and are not eligible for either the minimum opening balance requirement or the average daily balance requirement,
• Must maintain at least a $15,000 average daily balance in your new Business Checking account, starting 30 days after account opening through 12/31/25. You will have the first 30 days to bring the balance to $15,000.
• *** Complimentary Cash Management Services
• Pay no monthly service fees for the following Cash Management services through 12/31/25 provided the new Business Checking account maintains an average daily balance of $15,000: Positive Pay, Remote Deposit Capture, ZEscrow, Wire/ACH, Lock Box, and Bill Pay. Unless canceled, fees will be charged for cash management services beginning 1/1/26.
• Bonus Conditions: Account must remain open, active, in good standing, in the same product type and maintain the average daily balance requirement of $15,000 through 12/31/25. Once the offer criteria are met, the bonus will be credited into the new business checking account in Q1 2026.
• Complimentary cash management services through 12/31/25 provided the new business checking account maintains the $15,000 average daily balance requirement through 12/31/25. If the average daily balance falls below $15,000 at any time during the promotional period, cash management fees will no longer be waived, and account will be charged regular monthly cash management fees.
• 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.

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.

• Off­er available only to new deposit customers who live or work within 10 miles of our Metro Boston branches: Boston, Brighton, Brookline, Cambridge, Quincy, and South Boston who open their personal checking and savings accounts at one of our Metro Boston branches either in person or with One2One Appointment Banking with a staff­ member at a Metro Boston branch by October 31, 2022, and then meet all criteria listed below.
• 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.
• 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.