DECU Checking Accounts
Compare Features of All Accounts
- Account Features:
- No monthly service fee
- On-line banking (Web Branch)
- Free Bill Pay Service
- Microsoft Money compatible
- 24-hour automated phone-banking service
- Visa® debit card
- Signature guarantee service
- Notary service
To Qualify:
- Must meet membership eligibility requirements
- $5 minimum opening share deposit to become a member
- $20 minimum to open a checking account
- Account Features:
- Includes all the features of our Basic Checking plus:
- If the $50 minimum balance is maintained the $1 monthly service fee is waived
To Qualify:
- $50 minimum to open checking account
- Must be an active account with $50 minimum balance*
- Account Features:
- Includes all the features of our Basic Checking plus:
- Interest bearing checking account, earning .10% Annual Percentage Yield
- Earn an additional .05% above standard rate Annual Percentage Yield on New Share Certificates and IRA Share Certificates****
- Pay .10% Annual Percentage Rate less on new consumer loans
- One box of Down East Image checks per year at no charge, or 50% off any other style
- $3000 accidental life and dismemberment insurance
- No minimum balance required
To Qualify:
- Must have Direct Deposit**
- Rates current as of 30 March 2010
- Account Features:
- Includes all the features of our Basic Checking plus:
- Interest bearing checking account, earning .20% Annual Percentage Yield
- Earn an additional .10% above standard rate APY on New Share Certificates and IRA Share Certificates****
- Pay .15% Annual Percentage Rate less on new consumer loans
- One box of Down East Image checks per year at no charge, or 50% off any other style
- Three cashier's checks or money orders per month at no charge
- $3000 accidental life and dismemberment insurance
- If the minimum balance is maintained the $5 monthly service fee is waived
To Qualify:
- Must have Direct Deposit**
- Minimum of $1000 combined share balance
- Rate current as of 30 March 2010
- Account Features:
- Includes all the features of our Basic Checking plus:
- Interest bearing checking account, earning .30% Annual Percentage Yield
- Earn an additional .15% above standard rate Annual Percentage Yield on New Share Certificates and IRA Share Certificates****
- Pay .20% Annual Percentage Rate less on new consumer loans
- One box of Down East Image checks per year at no charge, or 50% off any other style
- Three cashier's checks or money orders per month at no charge
- $3000 accidental life and dismemberment insurance
- Checkbook problem reconciliation fee waived
- If the minimum account balance is maintained the monthly $5 service fee is waived
To Qualify:
- Must have Direct Deposit**
- Minimum of a $5000 combined share balance
- Rates current as of 30 March 2010
- DETAILS
- *Active account is an account with 6 or more transactions a month.
- ** Direct Deposit must be a minimum of $100 per week.
- *** Interest bearing account. The East account earns interest. The South Accounts earns a higher rate of interest than The East Account. The North Account is the highest interest bearing account. Rates are variable and subject to change.
- **** East, South and North Accounts will earn a higher dividend rate on New Share Certificates and IRA Share Certificates.
Some restrictions may apply. For complete details please see a Member Service Representative.
How to Open a Checking Account
To apply for a DECU checking account, please do the following:
1. Review our Membership Agreement & Disclosures.
2. Mail, fax, or deliver a completed Share Draft Account Application to any of our branch offices.
Read our Policies and Disclosures »
Plant Home Visa Debit Cards
The Plant Home Visa Debit Card provides a 1% cash donation on 100% of your signature-based purchases made on the card annually to a not-for-profit assisted living home in Bath.
For more information, see our Plant Home Visa Debit Cards page.
Home Banking Accounts
If you have access to the Internet, a Home Banking Account will allow you to view your account balances and transaction histories, and to make transfers to or from your accounts online.
For complete details, or to apply for a Home Banking Account, please see our Home Banking Application & Disclosure.
Down East Credit Union is a Maine Credit Union
Serving Washington, Waldo, Hancock, Penobscot, Lincoln, Kennebec, Sagadahoc,
and Knox Counties,
and the towns of Brunswick and Harpswell in Cumberland County.
Branch offices are located in Baileyville, Machias, Belfast, Unity, Bangor, Calais, Richmond, and Bowdoinham.
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