Checking
Free Platinum Rewards
Free Checking Is Great — Free Checking With Rewards Is Even Better!
Free checking that pays up to a high 3.00% APY* on your balance monthly
Earn up to $20 in refunds on your ATM fees* — not just in Maine, but nationwide
Details
Free checking plus high dividends!
3.00% APY* on balances up to $25,000
0.25% APY* on balances over $25,000 depending on balance in account*
0.05% APY* if qualifications aren't met
Refunds on ATM withdrawal fees nationwide (up to $20 monthly)*
No minimum balance to earn rewards
No monthly service fee
Free e-Statements
Free Visa Debit Card
Free Telephone Banking
Unlimited check writing
It’s Easy to Earn Your Rewards
Just do a few banking basics you're probably already doing! To earn your rewards, simply do the following activities and transactions in your Platinum Rewards Account each Monthly Qualification Cycle:
Have at least 20 Debit Card purchases post and settle
Be enrolled in and agree to receive e-Statements
Be enrolled and log into Online Banking or Mobile Banking a minimum of one time
That's really it! And even if you don't meet your qualifications one month, you'll still earn our base dividend rate. Plus, your Platinum Rewards Account is still free — and you can get right back to earning your rewards the very next month!
*APY=Annual Percentage Yield. APY is accurate as of 07/13/2023. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 3.00%; and (3) balances over $25,000 earn 0.25% dividend rate on portion of balance over $25,000, resulting in 3.00% to 0.25% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. Limit one account per SSN.
Free Gold Rewards
Choose the free Checking Account that pays you back!
Pays you 2.00% cash back on your Debit Card purchases,* up to $6 per month
Earn up to $20 in refunds on your ATM fees, nationwide*
Details
Free checking that pays you back
2% cash back on Debit Card purchases*
No category restrictions on purchases
Cash back earned on up to $300 in purchases monthly
Earn up to $72 cash back per year, $6 per month
Refunds on ATM withdrawal fees nationwide (up to $20 monthly)*
No minimum balance to earn rewards
No monthly service fee
Free e-Statements
Free Visa Debit Card
Free Telephone Banking
Unlimited check writing
It’s Easy to Earn Your Rewards
Just do a few things you're probably already doing! To earn your rewards, simply do the following activities and transactions in your Gold Rewards Account each Monthly Qualification Cycle:
Have at least 20 debit card purchases post and settle
Be enrolled in and agree to receive e-Statements
Be enrolled and log into Online Banking or Mobile Banking a minimum of one time
That's it! And even if you don't meet your qualifications one month, your Gold Rewards Account is still free. And you can get right back to earning your rewards the very next month.
*When monthly qualifications are met, you receive 2% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. Limit one account per SSN.
Member Free Checking
You shouldn't have to pay to spend your own money. That's why we offer this straightforward Checking Account with no monthly service fees, plus plenty of perks like free Online Banking & Bill Pay.
Checking That’s Free of Monthly Service Fees and Full of Convenient Perks
Enjoy checking with no monthly service fees
Convenient extras
Including surcharge-free ATMs, free Electronic Banking services, and more
Details
Free checking plus extras
No monthly service fees
No minimum balance requirement
Complimentary starter checks with duplicate check copies
Free e-Statements
Free Visa Debit Card
Free Telephone Banking
Surcharge-free ATM access throughout Maine via the SURF® Network
Bank at more than 5,000 credit union locations nationwide via the CO-OP Network
Unlimited check writing
No minimum deposit to open
Business Checking
We also offer our personal Checking Accounts to businesses. Tell us about the needs of your business, and we can help place you in the right account. Contact us or visit us today.
Teen Checking
Help your young adult learn financial lessons to last a lifetime. Members age 13 to 17 can practice money management with this free Checking Account.
Free Checking That Teaches Teens Valuable Financial Skills Through Practical Experience
Ages 13-17
Allows teens to have a Checking Account in their name, with a parent or guardian as joint owner
Teaches teens how to download the Mobile App, make purchases with Debit Card, etc.
Teens will learn how to spend (or save) money wisely
Details
Free checking for members ages 13-17*
No monthly service fees
No minimum balance requirement
Free e-Statements
Free Visa Debit Card
Free Telephone Banking
Surcharge-free ATM access throughout Maine via the SURF® Network
Bank at more than 5,000 credit union locations nationwide via the CO-OP Network
Unlimited check writing
No minimum deposit to open
*Must be 13 or older and have a cosigner 18 or older to open account. Teen Checking Accounts are automatically restricted from overdraft protection on all Debit Card purchases. Other restrictions may apply. See institution for details.
Compare Our Accounts
Side-by-side comparison of our Free Platinum Rewards Checking and Free Gold Rewards Checking Accounts.
| Account | Free Platinum Rewards Checking | Free Gold Rewards Checking |
|---|---|---|
| Rewards |
|
|
| Monthly Service Fee | $0 | $0 |
| Free ATMs? | Refunds on ATM withdrawal fees nationwide (up to $20 monthly)* | Refunds on ATM withdrawal fees nationwide (up to $20 monthly)* |
| Free Online Banking & Bill Pay? | Yes | Yes |
| Free Debit Card? | Yes | Yes |
| Minimum Opening Deposit | $50 | $50 |
Free Platinum Rewards Checking:
*APY=Annual Percentage Yield. APY is accurate as of 07/13/2023. Rates may change after account is opened. Minimum to open is $50. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.0%; and (3) balances over $25,000 earn 0.25% dividend rate on portion of balance over $25,000, resulting in 3.00% to 0.25% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying Debit Card transactions. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. Limit one account per SSN.
Free Gold Rewards Checking:
*Minimum to open is $50. When monthly qualifications are met, you receive 2% cash back on Debit Card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying Debit Card transactions. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. Limit one account per SSN.