Down East Credit Union serves Washington, Waldo, Penobscot, Hancock, Lincoln, and Kennebec Counties.

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:

  1. Must meet membership eligibility requirements
  2. $5 minimum opening share deposit to become a member
  3. $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:

  1. $50 minimum to open checking account
  2. 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:

  1. 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:

  1. Must have Direct Deposit**
  2. 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:

  1. Must have Direct Deposit**
  2. 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:

  1. Share Draft Account Application
  2. 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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