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Personal Banking
Checking Accounts

Our selection of checking accounts gives you maximum flexibility and a wide choice of account options. Choose one that’s right for you or contact one of our knowledgeable customer service representatives for some friendly advice. And remember – your money is always conveniently accessible to you with our no-fee Debit MasterCard®¹. Most importantly, Saco & Biddeford Savings offers some of the best rates and lowest fees around – and the first order of checks is free!²


NON-INTEREST BEARING ACCOUNTS

Mainely E-Free Account
If you do most of your banking electronically - this account is for you.
It features:

  • No maintenance fee
  • No minimum balance
  • Free no-fee Debit MasterCard®¹
  • Free direct deposit and automatic withdrawal option
  • Free Internet Banking and Online BillPay
  • Minimum of four (4) online transactions per month required³

Mainely Basic Account
If you don't like having to maintain a minimum balance, for just a $3.00 monthly maintenance fee, this account is for you.

  • No minimum balance
  • No limit on the number of checks you write
  • Free no-fee Debit MasterCard®¹
  • Free direct deposit and automatic withdrawal option
  • Free Internet Banking and Online BillPay
  • Free first order of checks²

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Mainely 100 Account
As long as you maintain a minimum daily balance of $100 in this account, it features:

  • No maintenance fee
  • No limit on the number of checks you write
  • Free no-fee Debit MasterCard®¹
  • Free direct deposit and automatic withdrawal option
  • Free Internet Banking and Online BillPay
  • Free first order of checks²
  • If the balance falls below $100 on any day during the month, a $5 maintenance fee will be assessed.

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Mainely 300 Account
As long as you maintain a $300 minimum daily balance in your combined deposit accounts (including certificates of deposit), this account features:

  • No maintenance fee
  • No limit on the number of checks you write
  • Free no-fee Debit MasterCard®¹
  • Free direct deposit and automatic withdrawal option
  • Free Internet Banking and Online BillPay
  • Free first order of checks²
  • If the balance falls below $300 in the savings account on any day of the month, a $3 maintenance fee will be assessed to the checking account.

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Mainely 55 Account
Our customers aged 55 years and older may enjoy a completely free checking account. This account features:

  • No maintenance fee
  • No minimum balance
  • No limit on the number of checks you write
  • Free no-fee Debit MasterCard®¹
  • Free direct deposit and automatic withdrawal option
  • Free Internet Banking and Online BillPay
  • Free checks for life (Restrictions may apply to certain check types.)

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INTEREST BEARING ACCOUNTS
Our NOW Accounts offer competitive interest rates. Choose from the following acounts:

Mainely NOW Account

  • No maintenance fee while maintaining a $500 minimum balance
  • Earn competitive interest rates with interest compounded and credited to your account each month
  • Free no-fee Debit MasterCard®¹
  • Free direct deposit and automatic withdrawal option
  • Free Internet Banking and Online BillPay
  • If the balance falls below $500 on any day of the month, a $5 maintenance fee will be assessed
  • Available to consumers, sole proprietorships, and non-profit organizations.

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Mainely Super NOW Accounts

  • No maintenance fee while maintaining a $2,500 minimum balance
  • Higher interest rates than our regular NOW account, with interest compounded and credited to your account each month.
  • Free no-fee Debit MasterCard®¹
  • Free direct deposit and automatic withdrawal option
  • Free Internet Banking and Online BillPay
  • If the balance falls below $2,500 on any day of the month, a $5 maintenance fee will be assessed
  • Available to consumers, sole proprietorships, and non-profit organizations.

¹ You may, however, incur a charge if you use your card at an ATM that we do not own or that does not participate in the Maine Cash Access program.

² For first time checking account customers only. Restrictions may apply to certain check types.

³ Does not include ATM transactions.

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