We use cookies to provide the services and features offered on our website and to improve our user experience.
Learn More
Checking
Get the checking account that works harder so you don’t have to.
Maine Advantage Checking
Choose our no-fee premier checking account if you want to earn interest and plan to carry an average daily balance of $500 and use a debit card or digital wallet at least 15 times a month.
FEATURES INCLUDE:
- Turn your balance into benefits with the checking account that pays 3.50% on balances up to $15,0001
- ATM fee refunds up to $25 per statement cycle
- Free Apple Pay, Google Pay, and Samsung Pay
- Free Telephone, Online, and Mobile Banking, including Mobile Deposit
- Free eAlerts, eStatements, Bill Pay, and credit score monitoring
- Free financial management tools
Maine Advantage Checking
Effective As of 11/25/2025
| Account Type | Minimum Average Daily Balance to Earn Dividends | Dividend Rate | APY* |
|---|---|---|---|
| Account Type Maine Advantage Account | Minimum Average Daily Balance to Earn Dividends $500 | Dividend Rate 3.445% | APY* 3.50% on balances up to $15,0001 |
*APY=Annual Percentage Yield.
**To obtain dividends and ATM fee refunds, certain qualification requirements must be met. 3.50% APY earned on balances up to and including $15,000 for each qualification cycle that requirements are met. Balances over $15,000 earn 0.05% APY. If qualification requirements are met, dividends and ATM fee refunds will be posted on the last day of the month. If the qualification requirements are not met, all balances will earn 0.05% APY and normal ATM fees will apply. Fees may reduce earnings. Account must be in good standing. Account terms and conditions, including dividend rate, may change. Rates current as of the date of this issue. Subject to membership eligibility requirements. Full account terms can be found in our Membership Agreement and Disclosure.
Earn interest each month when you:
- Make at least fifteen (15) purchases with your Visa debit card linked to checking that post and settle to your account (ATM transactions are excluded)
- Minimum average daily balance of $500
APY=Annual Percentage Yield.
To obtain dividends and ATM fee refunds, certain qualification requirements must be met. 3.50% APY earned on balances up to and including $15,000 for each qualification cycle that requirements are met. Balances over $15,000 earn 0.05% APY. If qualification requirements are met, dividends and ATM fee refunds will be posted on the last day of the month. If the qualification requirements are not met, all balances will earn 0.05% APY and normal ATM fees will apply. Fees may reduce earnings. Account must be in good standing. Account terms and conditions, including dividend rate, may change. Rates current as of the date of this issue. Subject to membership eligibility requirements. Full account terms can be found in our Membership Agreement and Disclosure.
Rewards Plus Checking
Use your debit card for online or in-store purchases and get up to $30 cash back each month and ATM refunds up to $25. The no-fee flexible account you need* and getting paid to shop—now that’s a win!
FEATURES INCLUDE:
- Cash-back rewards up to $30 per month
- ATM fee refunds up to $25 per statement cycle
- Free Apple Pay, Google Pay, and Samsung Pay
- Free Telephone, Online, and Mobile Banking, including Mobile Deposit
- Free eAlerts, eStatements, Bill Pay, and credit score monitoring
- Free financial management tools
- Qualification Requirements: 10 debit card transactions per month
If qualifications are met:
- $0.10 cash back on debit card transactions over $10
- Up to $30 in cash back each month
To obtain cash back and ATM fee refunds, certain qualification requirements must be met. If qualifications are met, rewards will be paid on the last day of the month. If qualifications are not met, normal ATM fees will apply. Account must be in good standing. Account terms and conditions may change. Subject to membership eligibility requirements. Full account terms can be found in our Membership Agreement and Disclosure.
Federally insured by NCUA.
Everyday Checking
Our basic checking account for everyday use gives you everything you need—no fees, no minimum balance requirements, just convenient banking made easy.
FEATURES INCLUDE:
- No minimum balance requirement
- No monthly service fees
- Free Visa debit card
- Free Apple Pay, Google Pay, and Samsung Pay
- Free Telephone, Online, and Mobile Banking, plus Mobile Deposit
- Free eAlerts, eStatements, Bill Pay, and credit score monitoring
Full account terms can be found in our Membership Agreement and Disclosure.
Federally insured by NCUA.
Visa® Debit Card
Your Maine State Credit Union Visa® Debit Card is an easy and convenient way to access your money. It’s better than cash and accepted most everywhere!
FEATURES INCLUDE:
- Easy to use – tap to pay and be on your way
- Add it to your digital wallet for even more convenience
- 24/7 protection with Visa® EMV chip technology keeps your transactions safe and secure.
- Use the card control feature in digital banking to turn it on and off or set a daily a daily spending limit
Need a new card? Order one through Online Banking or pick one up instantly at any branch location for a small fee.
CHOOSE THE RIGHT CHECKING ACCOUNT.
- Feature
- Maine Advantage Checking
- Rewards Plus Checking
- Everyday Checking
- Feature
- Earns interest on Balance
- Earns cash-back on debit card spending
- ATM fee refunds up to $25 per statement cycle*
- No minimum balance requirement
- No monthly service fees
- Free online and mobile banking
- Free Visa debit card
- Free Apple Pay, Google Pay, and Samsung Pay
- Free Telephone, Online, and Mobile Banking, plus Mobile Deposit
- Free eAlerts, eStatements, Bill Pay, and credit score monitoring
- Free financial management tools
- Access to CO-OP Shared branching and surcharge free SURF Network ATMS
* Terms apply.
Financial freedom is closer than you think.
Financial education puts your life goals in reach.
Money Sense
Get timely financial wellness tools & tips.
Fraud Prevention
Avoid the pain that comes with fraud and ID theft.
Budgeting and Credit Scores
Manage your money effectively and watch your credit score rise.
Unlock the Benefits of Share Certificates: A Safe and Rewarding Way to Grow Your Savings
Read Article
Visit the Financial Education Blog