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Say Goodbye
to big bank fees

Say Hello to
Downeast Credit Union

At DECU, we decided it’s time to revamp our Fee Schedule and lower our fees. We want to remain a credit union that our members are proud of!

DECU Courtesy Pay covers those whoops moments

Ever bought a $37 coffee?!

Most bank accounts charge $34 per overdraft. If a $3 coffee puts your account in the negative, that coffee could cost you $37! With my DECU Courtesy Pay, I don't get charged fees for transactions $15 and under. If I make a mistake and overdraw, my $3 coffee is still just $3!

two happy guys in sunglasses

lower fees for me

It's a no-brainer for me. I bank where I save an average of $187 per year in overdrafts. Downeast Credit Union is different - they truly care about my well-being.

Bank with Lower Fees & Better Service

Downeast 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, Bangor, Belfast, Calais, Machias, Richmond, Topsham and Unity.


Overdraft Protection is optional. You must opt in to benefit. DECU’s Overdraft Protection Program honors your overdrafts on your checking account when you don’t have enough money in your Account to cover a transaction, provided you have enough money in your Share Savings or linked Account. To do so, we transfer funds from your regular savings or linked account to your DECU Checking Account to cover your overdrafts at a cost of $5 per transaction.


Courtesy Pay is a discretionary "courtesy" service. To be eligible for Courtesy Pay, members must be in good standing and have a DECU Checking Account that has been open for at least 90-days. Courtesy Pay may pay Checks, Bill Payments, ATM/Debit Transactions and ACH electronic items that would not have cleared otherwise due to insufficient funds, up to an approved limit. Courtesy Pay fees are $0 for transactions $15 and under and then just $15 per item over $15. Items will not be paid if: member account is more than $400 in the negative, Overdraft(s) presented “in-person” and/or “over-the-counter,” items covered by other pre-arranged overdraft plans supported by a written agreement between the credit union and the member, or Items covered by pre-arranged overdraft transfers from linked deposit accounts. The full amount of the Overdraft balance will be due within 30 days from the date of the occurrence at which time Courtesy Pay privileges will be suspended and possibly terminated. Trust, custodial and other fiduciary accounts are not eligible. See the DECU Membership Agreement and Disclosures for details and the Fee Schedule for a list of fees. Savings of 76% in fees estimated based on DECU member transactions from 2021. Overdraft fee industry data based on Bankrate 2021 research and The Pew Charitable Trust research in 2016. Credit Union terms and conditions subject to change without notice.


Federally Insured by NCUA.