Secure Checking & Benefits – Downeast Credit Union

Secure Checking & Benefits

BENEFITS: Access your Secure Checking benefits

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Get more with a DECU Secure Checking account:

  • 24/7 Identity Theft with IDProtect®* services to quickly spot unusual spending patterns and alert you
  • Get cash back with $hopping Rewards™
  • Cell phone protection** up to $300 toward replacement or repairs
  • Lower fees so you can keep your hard-earned money
  • Earn interest on your balance
  • Free debit cards that can be printed in-branch on the same day they're needed
  • Free online banking, mobile app, bill pay, mobile deposit & money management
  • Convenient account access when you’re on the go at over 5,600 Shared Branch locations and 30,000 Co-Op ATMs nationwide
  • Local, friendly Team Members with 8 Maine locations when you prefer face-to-face service

Become a Member

Apply Today

Account Benefits:

  • $hopping Rewards™* - receive cash back by shopping at thousands of leading online retailers!
  • Gas & Gift Cards - receive 20% savings
  • IDProtect® - Identity theft protection services:
    • Financial Wellness 360 - unlimited one-on-one coaching, interactive courses and more
    • Credit Score Simulator*** - see how different actions impact your score
    • Credit Score Tracker*** - see how your score is changing
    • Credit File Monitoring - receive automated alerts of key changes
    • Credit Report and Score*** - access to credit reports and scores
    • Identity Monitoring - monitoring of over 1,000 databases
    • Comprehensive Identity Theft Resolution Services - fraud specialists help every step of the way if you need to restore your identity
    • Up to $10,000 Identity Theft Expense Reimbursement Coverage**
    • Identity Theft News Center and Valuable Phone and Web Resources*
    • Enroll and Activate the above benefits today!
  • Cellular Telephone Protection** — receive up to $300 of replacement or repair costs if your eligible cell phone(s) is stolen or damaged! (Cellular phone bill must be paid through this account)
  • Debit Advantage® Buyer's Protection and Extended Warranty** - item(s) must be purchased entirely through this account
  • Earn 0.05% APY^ interest on average balance
  • 0.05% APY^^ bonus on Certificates (excludes special rates)
  • Free online banking, mobile app, bill pay, person to person payments, mobile wallet, mobile deposit & money management
  • Free VISA Debit Card
  • No Per-Check Fee
  • Shared Branching: access to over 5,600 branch offices nationwide
  • ATM access surcharge-free at over 250 SURF ATMs in Maine and 30,000 Co-Op ATMs nationwide
  • Optional Overdraft Protection
  • All these benefits and more for the low monthly service charge of $6.95

Activate & Access Your Benefits

Visit our Secure Checking Portal 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 1-800-427-1223.

Download the Club Checking Mobile App to easily access your Secure Checking benefits on the Apple App Store or Google Play.
If you installed the eClub mobile app prior to March 1, 2022, you will need to download the new Club Checking mobile app from the Apple Store or Google Play store.

  1. *Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students.
  2. **Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. 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.
  3. ***Credit Score is a VantageScore 3.0 based on single bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score.

To qualify: 1. Must meet membership eligibility requirements, 2. $5 minimum opening share deposit to become a member and 3. $20 minimum to open a checking account.

^Annual percentage yield is accurate as of 05/20/2022 and is available to those who meet membership eligibility requirements including $5 minimum opening share deposit to become a member and $20 to open a secure checking account. Rates, terms and conditions subject to change without notice.

^^Annual percentage yield bonus is accurate on certificates as of 5/20/2022 and is available for members in good standing that qualify. Not applicable for special rates. Membership eligibility requirements including $5 minimum opening share deposit to become a member and $20 to open a secure checking account. Minimum balance as low as $10 required to open certificate and earn APY. Bonus APY paid out monthly with other interest earned. Fees could reduce earnings on the account. Rates, terms and conditions subject to change without notice.

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Routing Number: 211288996