Checking
Get More From Your Checking With Free Platinum Rewards!
Why settle for just free checking when you can earn rewards too?
Earn More From Your Money
Earn up to 3.00% APY on your balance — every month*
Get up to $20 in ATM fee refunds nationwide
No monthly fees, no minimum balance — just real rewards
Here’s what you’ll love about Platinum Rewards Checking:
Up to 3.00% APY on balances up to $25,000*
0.25% APY on balances over $25,000*
Don’t meet qualifications one month? You’ll still earn 0.05% APY*
Up to $20/month in ATM fee refunds — anywhere in the U.S.
No monthly service fees
No minimum balance to earn rewards
All the digital perks you expect - totally free:
Mobile Banking with Mobile Deposit
e-Statements
Visa Debit Card
Telephone Banking
Unlimited check writing
Earning rewards is easy!
Just do the basics you're probably doing already:
✔️ Make 20 debit card purchases each month
✔️ Enroll in e-Statements
✔️ Log in to Online or Mobile Banking at least once a month
That’s it! Even if you miss a month, you still earn interest and keep all the benefits — no penalties, no fees.
Ready to earn more from your money? Open your Free Platinum Rewards Checking today!
*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 Checking - Get Paid Just for Spending!
Say hello to a free checking account that actually pays you back — every time you use your debit card.
Here’s what you get — at no cost to you:
2.00% cash back on everyday debit card purchases*
(That’s up to $6/month or $72/year, just for using your card!)*ATM fee refunds nationwide — up to $20/month
Absolutely no monthly service fees
No minimum balance required to earn rewards
Why Gold Rewards rocks
Earn cash back on all purchases — no spending categories to track
Free, unlimited check writing
24/7 access with Online & Mobile Banking
Mobile Deposit & e-Statements to keep things simple
Free Visa Debit Card and Telephone Banking
Earning your rewards is super easy
All you need to do each month:
✔️ Make 20 debit card purchases
✔️ Enroll in e-Statements
✔️ Log into Online or Mobile Banking at least once
Even if you miss a month, your account stays free — and you’re back on track to earn rewards the next month!
Reading to start earning cash back?
Open your Free Gold Rewards Checking today — and get rewarded for how you already bank!
*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.