HarborOne Bank Bonus: $300 or $600 Checking Offer [MA, NH, RI] – No End Date

HarborOne Bank (harborone.com) often has Checking and Savings account sign-up bonuses that you can find updated here.

They’re currently offering an enticing opportunity for residents of Massachusetts, New Hampshire, and Rhode Island to earn up to a $600 bonus. This offer is designed for new customers who open checking and savings accounts, fulfilling specific criteria to qualify for the bonus.

• Update 2/4/2024: The offer is back, you can earn up to $600 when you open both a checking and savings account. Here’s an alternative offer to consider, get up to $400 for just a checking account with this one from BMO Bank.

Established in 2013 and headquartered in Brockton, Massachusetts, HarborOne Bank has grown to nearly 20 locations in the state. The bonus offer below will be available to a number of other states.

We’ll review the latest offers below.

READ MORE: GET TOP BONUSES FROM CHASE, AXOS, AND BMO.

HarborOne Bank $600 Checking Bonus

• What you’ll get: Up to $600 bonus
• Where it’s available: MA, NH, and RI
• How to earn it:
  • Register for the bonus within 30 days of opening your new checking account.
  • Use the same email address used when opening your new checking account.
  • Earn $300 by opening a new checking account with HarborOne.
  • Make direct deposits totaling at least $2,500 per month to qualify for the bonus.
  • Earn an additional $300 by opening a new savings, MM (Money Market) or CD (Certificate of Deposit) account.
  • Maintain a combined average monthly balance of at least $10,000 across your savings, MM, or CD account to be eligible for the bonus.
• When it expires: None listed

READ MORE: GET THIS BIG PROMOTION FROM BMO BEFORE IT’S GONE

Waive The Monthly Fee

• Advantage Gold Checking: Minimum average daily balance to waive monthly maintenance service charge is $15,000 Combined Balance
• Checkit Checking: No monthly service charge.
• FreePlus Checking: No monthly service charge.

TRENDING DEAL:

Maximize Your Money with the Axos One High-Interest Checking & Savings Bundle!

Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.31% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one...Show More

Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.31% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one streamlined package. Perfect for those who want to maximize their money, Axos One combines the flexibility of a checking account with the earning power of a high-interest savings account. Simplify your banking while watching your savings grow faster with Axos Bank's convenient, tech-savvy approach.


Disclaimers:

The Annual Percentage Yield (APY) is accurate as of 12/5/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.31% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.
Show Less

Up To 4.31% APY

Go to the deal

Fine Print

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 the 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/register.
2. Open and fund any new HarborOne personal Checking Account.
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 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. Must meet all checking bonus requirements above.
2. 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.
3. Maintain at least a $10,000 combined average monthly balance in your new Savings/MM/CD account each month for 3 months, starting within 30 days of account opening.

Bonus Conditions:

• Account must remain open, active, in good standing, and in the same product type through the 3-month period from account opening to receive the bonus for noted offers above.
• The bonus will be credited into the new personal checking or savings or MM account no later than 20 days from the 4-month anniversary of account opening.
• Bonuses are considered interest and will be reported on IRS Form 1099-INT.
• Bonus offers do not apply to customers who have been paid a promotional premium in the past 24 months.
• HarborOne Bank employees are not eligible.
• Offer is subject to change or cancellation without notice.

READ MORE: GET CASH, POINTS AND MORE WITH THESE REFERRAL DEALS

Bottom Line

They used to give out a bonus of up to $500, but it was kinda tough to fulfill all the requirements to get the full amount. Still, many folks managed to pull it off.

They also had another deal where you could score $300, but you had to set up $5,000 in direct deposits. That offer was last available back in 2018, so I’m not too optimistic about seeing a similar bonus making a comeback.

This offer appears to be a good one overall.

See more:

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.

Reach your financial potential with Vanguard Personal Advisor. Get tailored advice to confidently achieve your financial goals. Learn more here.