Downeast Credit Union Checking Accounts are new and improved! We offer Simple Checking, a basic option with no monthly maintenance fee, and Secure Checking^ which pays interest and offers benefits. Whichever option is right for you, you can expect your DECU Checking Account to offer:
Visit Downeast Credit Union at https://www.downeastcu.com
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, Belfast, Brewer, Calais, Machias, Richmond, Topsham and Unity. Must meet membership eligibility requirements. $5 minimum opening share deposit to become a member and $20 minimum to open a checking account.
*Overdraft Protection and Courtesy Pay: 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. 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. Credit Union terms and conditions subject to change without notice.
^There is a $6.95 Monthly Service Fee for Secure Checking. Other miscellaneous fees apply.
See www.downeastcu.com/privacy-notice/documents-disclosures/ for more information.
Federally Insured by NCUA.