Midcoast FCU / Accounts / Personal Checking

Checking Accounts

Simple, straightforward checking tailored to your financial needs. Checking options with no hidden fees, no minimums, and for members aged 12 and up.

If you are a current member looking to open a checking account, please contact us or email us at newaccounts@midcoastfcu.me

Open Online

Re-order Checks

New card design is Now Available!

Get excited! The new debit card has a new look and enhanced payment features!

FAQ – Frequently Asked Questions

Find the checking account that works for you

Coast Checking

Coast checking empowers you to manage your finances with confidence. There are no hidden fees, no minimums, and no restrictions.

Earn a discounted rate on your loans
Digital Banking eServices
Overdraft Privilege, Oops Protection, and Personal Line of Credit availability

View Rates

Open an Account

Compass Checking

Compass checking is designed to help members get back on course with their finances. It offers digital tools to help you manage and meet your goals.

Financial counseling
Digital Banking eAlerts
No minimum balance required

View Rates

Open an Account

Thrive Debit

Thrive is a “checkless” teen checking account powered by an ATM/Debit card and awesome eServices.

For ages 12-17
Added safeguards and parental controls
Built-in Oops Protection *

View Rates

Free4ME

Free4Me checking is free from restrictions, rich with eServices and has built in Oops protection.

For ages 18-25
No minimum balance or monthly service fees
Mobile wallet compatible Visa Debit card

View Rates

Open an Account

contactless payment tap and go new Debit card

Your checking account includes:

Get easy, fee-free access to your funds nationwide, a sizable ATM network, advanced digital tools, card conveniences, and added account protections with a Midcoast checking account.

Convenient Digital Banking

Manage your account from anywhere on any device. With user friendly navigation and embedded safety features for your security, Digital Banking is the branch in your pocket.

1 on 1 financial counseling

From setting savings goals and budgets, to improving your credit score, financial counseling service is offered to credit union members at no additional cost.

Co-op shared branching

We’ve partnered with over 5,700 credit union locations nationwide to allow you surcharge-free access to your Midcoast accounts all across the country.

SURF ATM network

Our surcharge-free ATM network in Maine allows our members access to over 250 locations.

Overdraft protection

We have 2 great options to protect your account against overdrafting. Overdraft Privilege and Personal Line of Credit.

Loan rate discount

Receive a 0.25% discount off your qualifying consumer loan rate when your monthly loan payment is automatically transferred from your MFCU checking account.

*Oops Protection Thrive Debit accounts receive reimbursement for up to three insufficient fund fees annually by contacting the Credit Union.
Free4Me accounts receive up to two insufficient fund fee reimbursements annually by contacting the Credit Union.

Overdraft Privilege & Personal Line of Credit

Learn more about Overdraft Privilege

Learn more about Personal Line of Credit

With Midcoast, you’re always connected

Interact with us and manage your accounts in all the ways that work best for you. Our Digital Banking platform has the same look, feel, and functionality across all of your devices: computer, tablet and mobile device.

Download for iPhone

Download for Android