Find an updated list of HarborOne Bank promotions, bonuses, and offers here.
Currently, they have a $200 bonus when you open a Checking and Savings Account and meet all the requirements. For those in the Boston Metro area, HarborOne Bank is offering a $750 bonus when you open a qualifying Checking Account and Savings Account.
About HarborOne Bank Promotions
HarborOne Bank is the 12th largest bank in the state of Massachusetts. It is also found in the states of New Hampshire and Rhode Island. The bank is relatively new, being established in 2013, and since has grown to 28 locations.
I’ll review the current offers below.
HarborOne Bank $200 Checking & Savings Bonus

Get a $200 Bonus with HarborOne Bank
HarborOne Bank is offering a $200 bonus when you open a qualifying Checking Account and Savings Account.
- What you’ll get: $200 bonus
- Account Type: Checking & Savings Account
- Availability: MA, NH, RI (Bank Locator)
- Direct Deposit Requirement: Yes, $2,500+ within 60 days of account opening (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $500
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: None
(Limited time offer)
You can compare this to several great entry level Checking accounts with offers include the BMO Harris Smart Money™ Account ($200 bonus), U.S. Bank SmartlyTM Checking (Up to $600 bonus), Chase Total Checking® ($200 bonus), Fifth Third Bank Momentum® Checking ($275 bonus), SoFi Checking and Savings ($275 bonus), and Citi Priority Account (Up to $2000 Cash Bonus). |
How To Earn Bonus
To receive the $200 Checking bonus:
- Primary tax owner must register for the bonus within 60 days of account opening at harborone.com/register;
- Open and fund any new eligible HarborOne Personal Checking Account;
- Receive direct deposits totaling at least $2,500 to this account within 60 days of account opening.
- Offer available only to residents of MA, NH, and RI.
- Offer subject to change at any time.
- 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 $200 Checking bonus: 1) Primary tax owner must register for the bonus within 60 days of account opening at harborone.com/register; 2) Open and fund any new eligible HarborOne Personal Checking Account; 3) Receive direct deposits totaling at least $2,500 to this account within 60 days of account opening.
- Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government bene?ts 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 ?nancial institutions or brokerages.
- Bonus Conditions: Account must remain open, active, in good standing, and in the same product type through the 60 day 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 account no later than 80 days from account opening.
HarborOne Bank $750 Checking & Savings Bonus (Metro Boston Area) (Expired)

HarborOne Bank $750 Checking & Savings Bonus (Metro Boston Area)
- What you’ll get: $750 bonus
- Account Type: Checking & Savings Account
- Availability: MA, NH, RI (Bank Locator)
- Must live or work within 10 miles of Metro Boston branches: Boston, Brighton, Brookline, Cambridge, Quincy, and South Boston and open in branch
- Direct Deposit Requirement: Yes, $2,500+ within 60 days of account opening (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Up to $500
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: None
(Expires 10/31/2022)
You can compare this to several great entry level Checking accounts with offers include the BMO Harris Smart Money™ Account ($200 bonus), U.S. Bank SmartlyTM Checking (Up to $600 bonus), Chase Total Checking® ($200 bonus), Fifth Third Bank Momentum® Checking ($275 bonus), SoFi Checking and Savings ($275 bonus), and Citi Priority Account (Up to $2000 Cash Bonus). |
How To Earn Bonus
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.
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
Bottom Line
Lastly, these are all the current HarborOne Bank promotions and offers. Furthermore, I would only recommend this account to people who 1) live close to the bank and 2) are looking to start a new banking experience. Additionally, if you already have a bank account and are just looking for additional bonuses, there are definitely better bonuses out there.
Furthermore, feel free to leave a comment below informing us about your experience with HarborOne Bank. Your feedback is highly appreciated and makes our site even better!
HarborOne Bank has decent CD and Savings rates. For similar rates, check out our full list of some of the best Bank Rates and CD Rates nationwide.
Compare HarborOne Bank Promotions with other bank bonuses from banks like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO Harris, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!
*Check back for more HarborOne Bank promotions, bonuses, and offers.
I applied for the HarborOne $200 cash back bonus where I deposit $2.5k within 60 days and I called to see when I’d get my money, they gave a date, and I asked if I qualified and they said yes. Then I called on that date and they said I didn’t qualify, I asked why and it turns out the person I spoke with was looking at another offer, I clarified the offer I applied for and the person agreed I qualified and then gave my information to the manager to give approval for releasing the $200. I get a call back the next day and am told I didn’t qualify since I used a different email address for signing up for the offer as compared to signing up for the bank account, I have only one email address. Don’t use HarborOne’s services, they lie.
The promotion is denied if it’s an ACH from a brokerage.
Used my Chase Sapphire Reserve credit card to fund my account and it worked! ($500)
Opened the account, got approved and used my Citi American Airlines Business to fund my account w $500. My sister used her Citi ATT Access More and also went through! So convenient!
I recently opened a account under this promotion and was told that this promotion ended in Oct itself.
Got approved for this account, it looks like a soft pull on my credit for anyone else wondering about the inquiry.