HarborOne Bank is a Massachusetts-chartered trust company serving consumers, businesses, and municipalities in Eastern Massachusetts and Rhode Island. It offers checking, savings, money market, and term certificate of deposit accounts, along with commercial, residential, and consumer loans. The bank also provides mortgage services through HarborOne Mortgage and financial education via HarborOne U. Its unique selling proposition is personalized service and community involvement, making it feel like a family-oriented bank. The target audience includes local residents and businesses seeking personalized banking experiences.