Welcome, Cash Management Clients

On Monday, February 23 you should begin using Eastern Treasury® online banking for all ACH transactions. 

Your onboarding specialist can help you review and navigate how to use ACH on Eastern Treasury®.

Below is important information on how ACH transactions are processed:

• ACH templates and files are processed throughout the day. Eastern Bank recommends approval of ACH payments by 2:45 PM ET.
• Eastern Bank will enable same day credits and debits for ACH Origination clients.
• ACH Return and Notification of Change (NOC) reports will be delivered online and accessed via the Legacy Reports feature within Eastern Treasury®. NOTE: ACH Return and NOC reports will not be mailed or emailed. An alert can be set up to notify you when these are available for viewing and downloading.
• ACH Company-Level Limits are maintained and enforced by Eastern Bank, but outside of the Eastern Treasury® online banking platform. This means you don’t need to request limit increases yourself—Eastern Bank will proactively contact you if any ACH files exceed your established limits.
• ACH Reversal requests for an ACH transaction or batch are requested online using the form available at easternbank.com/businessresources.

On Monday, February 23 you can begin using Eastern Treasury® online banking for your online U.S. Dollar (USD) wire transactions. 

Below is important information on how these transactions are processed:

• Your wire transfer limits will transfer to Eastern Treasury® online banking.
• Through Eastern Treasury®, you can initiate online domestic and international USD wires until 4:30 PM ET.
• Eastern Bank does not offer temporary changes to wire limits. Please contact your relationship manager to prepare the necessary forms to change your limits and for any additional questions.

On Monday, February 23, you should begin using Eastern Treasury® online banking for all Positive Pay transactions. Below is important information on how Positive Pay transactions are processed:

• Check Positive Pay exception items will be available to view and decision after 10 AM ET. The deadline to decision is 2 PM ET.
• ACH Positive Pay exception items will be available to view before the opening of the business day. The deadline to decision items is 8 PM ET.
• If not decisioned, same day ACH presentments will be carried over to the next business day for decisioning.

Access to your HarborOne Business Bill Pay will be removed as of 4 PM, February 20, 2026.

Prior to February 20, we strongly recommend you save your bill pay history, payee information, account names, eBills, and scheduled or recurring payment information.

Bill Pay payments scheduled to process on February 20 or after will be processed by the Eastern Bank Bill Pay service. Electronic bill payments are debited from your designated account on the scheduled Pay Date. Check payments are debited from your account just like any other check.

The Primary User (Eastern Treasury Legal Administrator), bill pay accounts, bill payment history for prior the 6-month period, recurring payments and payees will transfer to your new Eastern Business Bill Pay service. If you have any additional users, eBills, or company groups, they will not transfer.

IMPORTANT ACTIONS ON FEBRUARY 23, 2026

• After logging in to Eastern Treasury® online banking on February 23, the Legal Administrator will be required to permit additional users to use Bill Pay, if desired. Download the Business Bill Pay User Setup Guide for instructions.
• If you have multiple company accounts associated with your Business Bill Pay, these will be available under your primary bill pay company. You may wish to create Groups to help manage payees for different company accounts.
• If you use Check Positive Pay with your designated bill pay account, you will need to manually enter check issue information for payments sent as checks from the bill pay service.

Payments must be approved by the following times to deliver the payment by the Pay Date:

• Electronic Payments – 3 PM.
• Check Payments – 5 PM.

All HarborOne customers who use an Intuit® product including QuickBooks® and Quicken® software will be required to take timely action to ensure a successful connection to Eastern Bank via WebConnect or WebConnect Express. Please note that Intuit’s Direct Connect connection type is not supported by Eastern Bank. Please visit our Intuit® page for key dates and more detailed instructions.

Not all statements and transaction history will migrate to Eastern Treasury® Online Banking. Your onboarding specialist will be able to walk you through what information will carry over and what you'll want to print or download.

Important Best Practice: Print or download any activity, reports, statements or notices you will need post-transition to Eastern Bank. We recommend you complete this the week of February 16, with any final downloads/print-outs by 4 PM on February 20.

If you have an Insured Cash Sweep (ICS) account at HarborOne, it will carry over to Eastern Bank as it is today; there are no changes to your current terms.

Your ICS transaction statement will be included with your Deposit Account in a combined statement. ICS Deposit Placement statements will no longer be mailed. These statements can be accessed through the IntraFi Client Portal.

At Eastern Bank, your ICS balances will show as related available balances via your online banking, not as a separate deposit account. There is no impact to how the product works and your onboarding specialist can assist you in viewing the balances.

Download the IntraFi Depositor Control Panel User Guide for more information.

For the month of February, all Account Analysis fees are waived. With no pending charges, an Account Analysis statement is not included with the regular account statement. Account Analysis fees will continue to be waived through May of 2026. Starting with March activity, Account Analysis statements will be mailed showing a full breakdown of Cash Management services. The first mailed statement will be received in April reflecting March activity.