Ultimate Checking

Ultimate Checking Accounts offer:

No ATM fees

use any ATM anytime, anywhere and we'll reimburse up to $20/month


Earn 0.05%APY on average balances plus get a bonus on certificates 

Cell Protection

up to $300 of replacement or repair costs if your phone is stolen or damaged


cash rewards for shopping and discounts on gift cards

ID Protect®

identity theft monitoring, quarterly credit reports and monthly credit scores

Have you been dreaming of the Ultimate Checking account?  Downeast CU has!  


We have scoured the industry and combined ideas to create the best-of-the-best in checking accounts.  The DECU Ultimate Checking now offers ATM fee reimbursements, interest, benefits, identity protection plus all the bells and whistles you'd expect from any other checking account.    

Top Rated Mobile App & Online Banking- Free online banking, mobile app, bill pay, person-to-person payments, mobile deposit & money management
- Credit simulator to see how small changes can make a big impact on your credit score
- Top rated Mobile App at 4.8 on Android and 4.7 on Apple devices (out of 5 stars)

Rewards- ATM fee reimbursements - up to $20 per month
- Cash back with $hopping Rewards™
- Earn interest on your balance
- Lower fees so you can keep your hard-earned money

Protection- Cell phone protection** up to $300 toward replacement or repairs
- 24/7 Identity Theft with IDProtect®* services to quickly spot unusual spending patterns and alert you
- Comprehensive Identity Theft Resolution Services with fraud specialists to help every step of the way if you need to restore your identity
- Up to $10,000 Identity Theft Expense Reimbursement Coverage**

Convenience- Free debit cards that can be printed in-branch on the same day they're needed.
- Convenient account access when you’re on the go at over 5,600 Shared Branch locations nationwide.
- Over 30,000 CO-OP ATMs for more direct, surcharge-free* access to your money than most traditional bank customers.
- Local, friendly Team Members with 8 Maine locations when you prefer face-to-face service.

  • All these benefits and more for a low monthly service charge of $6.95

Wondering if Ultimate Checking
is right for you?

Speak with an Account Expert to learn more at 1-207-454-9008.

Go ahead! Compare us to the competition.

Downeast Ultimate Checking

$6 . 95


The checking account you've been
dreaming of!
  • ATM fee reimbursements up to $20 per month
  • Earn 0.05%APY interest
  • Debit cards printed in-branch the day they're needed
  • Identity theft & cell phone protection
  • Cash rewards & gift card discounts
  • Covers Oops moments for just $15 per overdraft

Chase Premier Plus Checking℠

$25 . 00


Earn interest on your balances and money saved on ATM fees at Chase.
  • 4 ATM fee reimbursements /mo at non-Chase ATMs
  • Earn 0.01%APY interest
  • Card replacement expedited shipping rush fee $5 
  • $34 Insufficient Funds Fee per transaction

Privilege Checking®

$25 . 00


Checking account with rewards from Key Bank.
  • Reimbursements up to $6 per month of non-Key Bank ATMs
  • Earn 0.01%APY interest
  • Debit card costs?
  • $20 Overdraft Fee for Oops transactions over $20

BofA Advantage Relationship Banking®

$25 . 00


Perks for those maintaining $10,000 or more in balances with Bank of America.
  • Fee of $2.50 plus any fee charged by non-BofA ATMs
  • Earn 0.01%APY interest
  • $5 card replacement fee plus $15 shipping fee waived
  • $10 Overdraft Fee or opt to have transactions declined if going negative

Learn more about DECU Checking options at www.downeastcu.com/checking-accounts

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.


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.


*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.

**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.

***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.

See https://www.downeastcu.com/checking-accounts for more information.

Federally Insured by NCUA. 

Visit Downeast Credit Union at www.downeastcu.com