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DECU Checking Accounts
Compare Features of All Accounts
- Account Features:
- No monthly service fee
- Free on-line banking (Web Branch)
- Microsoft Money compatible
- Free 24-hour automated phone-banking service
- Free Visa® debit card
- Free $3000 accidental life and dismemberment insurance
- Signature guarantee service
- Free notary service
- Member of the SurF Alliance of Surcharge-Free network, over 150 ATM's statewide
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:
- Free identity theft program
- 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% ***
- Earn an additional .10% above standard rate APR on New Share Certificates****
- Pay .25% less on new consumer loans
- One Free box of Down East Image checks per year, or 50% off any other style
- Free identity theft program
- No minimum balance required
To Qualify:
- Must have Direct Deposit**
- Account Features:
- Includes all the features of our Basic Checking plus:
- Interest bearing checking account, earning .20%***
- Earn an additional .20% above standard rate APR on New Share Certificates****
- Pay .25% less on new consumer loans
- One Free box of Down East Image checks per year, or 50% off any other style
- Three free cashier's checks or money orders per month
- Free identity theft program
- 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
- Account Features:
- Includes all the features of our Basic Checking plus:
- Interest bearing checking account, earning .30%***
- Earn an additional .30% above standard rate APR on New Share Certificates****
- Pay .25% less on new consumer loans
- One Free box of Down East Image checks per year, or 50% off any other style
- Three free cashier's checks or money orders per month
- Free identity theft program
- Free checkbook reconciliation
- 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
- DETAILS
- *Active account is an account with 6 or more transactions a month.
- ** Direct Deposit must be a minimum of $100 per week. Some restrictions may apply see a Member Service Representative for complete details.
- *** 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. See a Member Service Representative for current rates. Rates are variable and subject to change.
- **** East, South and North Accounts will earn a higher dividend rate on New Share Certificates. See a Member Service Representative for current rates. Some restrictions may apply. See a Member Service Representative for complete details.
How to Open a Checking Account
To apply for a DECU checking account, please mail, fax, or deliver the following completed documents to any of our branch offices:
- Share Draft Account Application
- Membership Account Card Application
(only necessary if you are not already a DECU member)
Read our Policies and Disclosures »
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.
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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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