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Checking
Get the checking account that works harder so you don’t have to.
Maine Advantage Account
Choose our no-fee premier checking account if you want to earn dividends, carry an average daily balance between $500 – $15,000, and make 15 purchases with your debit card or digital wallet during each statement cycle.
FEATURES INCLUDE:
- Turn your balance into benefits with the checking account that pays 3.50% APY* on balances up to $15,000**
- 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 2/20/2026
| Average Daily Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| Average Daily Balance $500 – $15,000 | Dividend Rate 3.445% | Annual Percentage Yield 3.50% APY* on balances up to $15,000** |
| Average Daily Balance $15,000.01 – $100,000 | Dividend Rate 0.050% | Annual Percentage Yield 0.050% APY* only applies to funds above $15,000 |
| Average Daily Balance All Balances | Dividend Rate 0.050% | Annual Percentage Yield 0.050% APY* |
APY=Annual Percentage Yield.
To obtain dividends and ATM fee refunds, certain qualification requirements must be met. 3.50% APY earned on balances of $500 and up to and including $15,000 for each qualification cycle that requirements are met. Balances over $15,000 earn 0.050% 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 0.050% 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, rates are subject to change after account opening. Subject to membership eligibility requirements. Full account terms can be found in our Membership Agreement and Disclosure.
To obtain higher dividend rate & ATM refunds all qualifications must be met during each statement cycle:
- 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)
- Maintain an 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 of $500 and up to and including $15,000 for each qualification cycle that requirements are met. Balances over $15,000 earn 0.050% 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 0.050% 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, rates are subject to change after account opening. 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 fee refunds up to $25, when qualifications are met. The no-fee flexible account you need and getting paid to shop—now that’s a win!
FEATURES INCLUDE:
- Cash-back rewards of $0.10 on debit card transactions over $10 up to $30 per statement cycle*
- 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
* To obtain cash back rewards and ATM fee refunds on your Rewards Plus Checking Account, qualification requirements must be met during each statement cycle.
- Have at least 10 debit card transactions post and settle to the account. ATM transactions are excluded.
If qualification requirements are not met, no cash-back rewards will be paid and normal ATM fees will apply.
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.
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.
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 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
* All qualification requirements must be met during each statement cycle to obtain ATM fee refunds. If qualification requirements are not met, normal ATM fees will apply.
Maine Advantage Checking Account qualification requirements include maintaining an average daily balance of $500 or more and having at least 15 debit card transactions post and settle to the account. ATM transactions are excluded.
Rewards Plus Checking Account qualification requirements include having at least 10 debit card transactions post and settle to the account. ATM transactions are excluded.
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