Free checking account with overdraft protection*

PeoplesChoice Checking with SpendShield gives you the convenience of the lowest overdraft fees in Maine, Lightning Pay direct deposit to get your paycheck up to two days early and no monthly fees or balance requirements.

Your new checking account is minutes away!

PeoplesChoice Checking with SpendShield has it all

  • No monthly fees
  • $15 buffer before any overdraft fee
  • Lowest overdraft fee in Maine – Only $11.95!
  • No minimum balance
  • Lightning Pay Direct Deposit – Get your paycheck Early!
  • Contactless Payment Option
  • Free Visa Debit Card
  • Free mobile and online banking
  • Access to 85,000 ATMs nationwide
  • No more than 5 overdraft fees in one day

* SpendShield is a service we provide to cover overdrafts from your checking account.  As long as your account is in good standing, we will pay your overdrafts that are created by check, in-person withdrawal, ATM withdrawal, or other electronic means.  Overdraft services will be restricted if your checking account has a negative balance for 20 or more days or if any loan accounts with PeoplesChoice are not current.  Overdraft services could also be restricted at the discretion of PeoplesChoice Credit Union.

Maine’s lowest fees guaranteed

PeoplesChoice Checking with SpendShield is a free checking account with no monthly fees, and it comes with the lowest overdraft charges in the state. If you happen to overdraw, we provide a $15 buffer before any fee is charged.

The smarter, easier way to bank

Manage accounts, transfer funds, and locate ATMs or PeoplesChoice branches with free online banking. We’ll even get you your paycheck up to two days early with Lightning Pay Direct Deposit. And with Apple Pay, you can enjoy contactless purchasing, send and receive money, and more.

Access to your cash wherever you are

You’ll be able to get fast cash when you need it most. Access 85,000 fee-free ATMs nationwide so you can easily withdraw cash, check accounts, deposit checks, and transfer funds.

Easy banking in your pocket

Your PeoplesChoice Checking with SpendShield account comes with a free VISA Debit Card. Enjoy all the convenience of an ATM card with added debit card protection. Use for purchases, make deposits at any major supermarket, and access cash at any of our 85,000 free ATMs across the country.

Become a member and bank your way.

Flexibility, convenience, and the personal touch to banking you want. For personalized loan options, a checking account that works for you, and the some of the lowest fees in Maine, people like you choose PeoplesChoice.