Down East Credit Union
 

DECU Checking Accounts

Compare Features of All Accounts

Account Features:

  • Earn 0.05% interest on average balance
  • Earn 0.05% more on Share Certificates
  • No Per-Check Fee
  • 24-Hour On-line Banking
  • 24-Hour Mobile Banking
  • 24-Hour Remote Deposit Capture
  • 24-Hour Telephone Banking (Audio Response)
  • Electronic Bill Pay Services
  • VISA Debit Card
  • eStatement
  • $3,000 Accidental Life & Dismemberment Insurance
  • Access to over 5,400 branch offices nationwide through Shared Branching
  • Optional Overdraft Protection
  • IDProtect®
  •    Credit File Monitoring
  •    Total Identity Monitoring
  •    3-in-1 Credit Report
  •    Credit Score
  •    Fully Managed Identity Theft Resolution Services
  •    Identity Theft Recovery Case Plan
  •    $10,000 Identity Theft Expense Reimbursement Coverage
  •    Online Identity Theft News Center and Valuable Phone and Web Resources*
  • Cellular Telephone Protection
  • Debit Advantage™ Buyer's Protection and Extended Warranty
  • Travel and Leisure Discount Membership*
  • Health Discount Savings; enjoy savings on vision, prescriptions, and dental*
  • Shopping Rewards™*
  • Gas & Gift Card Discounts
  • Monthly Service Fee $6.95

*Registration and activation required.

Visit eClubOnline.net or call 1-866-210-0361 to activate your benefits.  Your activation code was provided in your Welcome Kit.  If you need another Welcome Packet and Activation Code, please call one of your Member Service Representatives at 1-800-427-1227.

1. IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a "signer" on the account who is not an account owner.  Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students.  For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members.  For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered).   Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

2. Special Insurance Program Notes:  The descriptions herein are summaries only.  They do not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for complete details of coverage and exclusions.  Insurance is offered through the company named on the certificate of insurance.  Guide to Benefit is provided at account opening.

3. This is NOT insurance.  4. Terms and conditions apply.  Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

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:

  • No Per-Check Fee
  • 24-Hour On-line Banking
  • 24-Hour Mobile Banking
  • 24-Hour Remote Deposit Capture
  • 24-Hour Telephone Banking (Audio Response)
  • Electronic Bill Pay Services
  • VISA Debit Card
  • eStatement
  • $3,000 Accidental Life & Dismemberment Insurance
  • Access to over 5,400 branch offices nationwide through Shared Branching
  • Optional Overdraft Protection
  • Monthly Service Fee $2.95
  •    Monthly Service Fee is waived when ONE of the following requirements are met:
  •    At least one qualifying direct deposit of $250 or more in month (statement period);
  •    or maintain a minimum combined daily average balance of $250;
  •    or enrolled in eStatements

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:

  • No Per-Check Fee
  • 24-Hour On-line Banking
  • 24-Hour Mobile Banking
  • 24-Hour Remote Deposit Capture
  • 24-Hour Telephone Banking (Audio Response)
  • Electronic Bill Pay Services
  • VISA Debit Card
  • eStatement
  • $3,000 Accidental Life & Dismemberment Insurance
  • Access to over 5,400 branch offices nationwide through Shared Branching
  • Optional Overdraft Protection
  • Jump Start
  • Oops! Refund.  Twice per year, you can have a NSF or CP fee charge reversed.
  • Start-up Sow n' Grow Share Certificate minimum deposit $2 per week.
  • Jump Start Credit Builder Loan Maximum $500, 0% APR for qualified borrowers.

To Qualify:

View details on the free4ME page.

  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:

  • No Per-Check Fee
  • 24-Hour On-line Banking
  • 24-Hour Mobile Banking
  • 24-Hour Remote Deposit Capture
  • 24-Hour Telephone Banking (Audio Response)
  • Electronic Bill Pay Services
  • VISA Debit Card
  • eStatement
  • $3,000 Accidental Life & Dismemberment Insurance
  • Access to over 5,400 branch offices nationwide through Shared Branching
  • Optional Overdraft ProtectionMonthly
  • Service Fee $2.95  
  • Monthly Service Fee is waived when ONE of the following requirements are met:  
  •   At least one qualifying direct deposit of $250 or more in month (statement period);  
  •   or maintain a minimum combined daily average balance of $250;  
  •   or enrolled in eStatements

To Qualify:

  • Must meet membership eligibility requirements
  • $5 minimum opening share deposit to become a member
  • $20 minimum to open a checking account
Order Personal Checks Online!

NOTICE

You are leaving the Down East Credit Union's Web site. You should know that
the linked sites are not under the control of Down East Credit Union and we can
make no representation concerning the content, quality, safety or suitability
of these sites or their contents, nor are we liable for the content or availability
of external Web sites. These links are listed only as a convenience to our members.

Special Note - first-time check orders

If you are eligible to receive Free or Discounted Checks, please contact a Member Service Representative to place your first check order.

Please Click Here to continue
to the Harland Clark Check website.

Fee Schedule / Billing Rights Summary

Download our Fee Schedule (PDF file).
Download our Billing Rights Summary (PDF file) - In case of errors or questions about your statement. This includes information on how to balance your account.

Details

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

How to Apply for a Visa Debit Card

Our Visa Debit cards can be used at ATMs and point-of-sale terminals. For more information, download our Visa Debit Card Brochure and Application. To apply for the card, mail, fax, or deliver the completed application to any of our branch offices.

 

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 ~ 1-800-427-1223 ~ www.DOWNEASTCU.com

 
NCUA and Equal Housing Lender

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 Topsham.

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