Online and Mobile Banking users may experience intermittent outages from 9pm on 12/4 to 3am on 12/5 as our vendor performs system upgrades. We apologize in advance for the inconvenience.

Secure Checking

For application forms, policies, fee schedule and billing rights, please visit Checking Accounts.

As a member of Downeast Credit Union, our greatest concern is keeping you and your money safe.  That’s why we offer this exceptional checking product with built-in protection and services that reward you for your loyalty.

Secure Checking is designed to enhance your personal security, help protect your family, and save you time and money!

Learn more about the importance of Identity Protection:

Account Benefits:

  • Earn 0.05% APY^ interest on average balance
  • Earn 0.05% APY** more on Certificates
  • IDProtect® - Identity theft protection services:
    • 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 —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
  • Travel and Leisure Discount Membership*
  • Health Discount Savings - enjoy savings on vision, prescriptions, and dental*
  • Shopping Rewards™* - receive cash back by simply shopping!
  • Gas & Gift Card Discounts
  • Free Online Banking, Bill Pay, eStatements, Mobile Banking & Mobile Deposit
  • Free VISA Debit Card
  • No Per-Check Fee
  • Access to over 5,600 branch offices nationwide through Shared Branching
  • Optional Overdraft Protection
  • Low monthly service fee $6.95

*Registration and activation required.

Activate your Benefits

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 1-800-427-1223.

  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.

*Annual percentage yield is accurate as of January 25, 2020 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. Fees could reduce earnings on the account. Rates, terms and conditions subject to change without notice.

*Annual percentage yield bonus is accurate on certificates as of January 25, 2020 and is available for members in good standing that qualify. 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.

To Qualify:

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

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Routing Number: 211288996