Personal
Checking
What should your checking account do for you? We have a product designed to fit your idea of convenient banking. Go ahead, try us.

Make Cents Checking
Get rewarded for using your debit card.
- Reimbursed ATM fees in the U.S.
- Earn 10 cents per purchase
- No monthly maintenance service charge
- Earn interest
- $1.00 to open
- Mobile and online banking

Essential Checking
Get the financial flexibility you need. No questionable fees. No strings attached.
- Unlimited check writing
- No monthly maintenance service charge
- $1.00 to open
- Mobile and online banking

Make ChangeSM Checking
For each qualified purchase made with your Make Change debit card, we’ll donate 10 cents to support underrepresented businesses in Maine, at no cost to you.
- 10 cents per purchase is donated
- Reimbursed ATM fees in the U.S.
- No monthly maintenance service charge
- Mobile and online banking

Smart Start CheckingSM
Get access to banking services you can feel comfortable using daily. Everything you need to manage your finances securely with no overdraft fees.
- No overdraft or non-sufficient (NSF) fees
- Reimbursed ATM fees in the United States
- Our foreign wire transfer fee reimbursed
- Free money orders
- No minimum daily balance

Champion Checking
Get rewarded with competitive interest rates when you maintain a higher balance.
- Reimbursed ATM fees in the U.S.
- No monthly maintenance service charge
- Earn a higher interest rate
- Unlimited transactions
- Mobile and online banking

Indexed Advantage Money Market
Make the most of your savings with competitive rates that adjust with the market automatically. Earn more with our money market account without sacrificing flexibility.
- Tiered interest rates
- No fees for excessive transactions*
- Convenient access to your funds when you need them
- No monthly maintenance service charge
- Mobile and online banking
- Only $1 required to open

Champion Money Market
Get the benefits of a tiered rate account with complete access to your funds, with better rates for a higher balance.
- No monthly maintenance service charge with minimum average daily balance of $5,000
- Tiered rate account
- Six preauthorized transfers per cycle
- Mobile and online banking

Money Market Checking
Get the benefits of a tiered rate account with complete access to your funds.
- No monthly maintenance service charge
- Tiered rate account
- Six preauthorized transfers per cycle
- Mobile and online banking

Health Savings Account (HSA)
Contribute money from each paycheck, earn tax-free interest and pay for qualified expenses with a convenient debit card.
- No monthly maintenance service charge
- Earn interest tax-free
- Pay for a variety of qualified medical expenses
- Roll over savings year-to-year
- Mobile and online banking


Lost It? Lock It With Card Controls
Enjoy the convenience and security of using your phone to manage and protect your debit card. With Card Controls, you can turn off your card, set transaction limits, and set location-based controls anytime, with ease.
The Right Solution
At The Right Time
Change, we know it well. Not just because we're a bank. But, because we design our banking products around our clients changing needs. Our banking solutions evolve with you - from your first job, to retirement and beyond.
