Open a HighFive Checking Account, Earn 5.00% APY

Open a checking account online with PeoplesChoice and earn 5.00% APY with no monthly fees, no minimum balance, and access to your paycheck two days early. Maine’s high-yield checking account — apply in minutes.

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A free checking account that earns more

HighFive Checking gives our members more from a checking account with the chance to earn more, get paid early, and enjoy built-in overdraft protection when it matters most.

Earn More

Earn 5.00% APY on balances up to $10,000 when you enroll in eStatements, make 12 debit card purchases, and receive at least $500 in direct deposits each month.

Get Paid Early

With Lightning Pay Direct Deposit, you can access your paycheck up to two days early and keep your money moving between paydays.

Built-in Protection

SpendShield Overdraft Protection is included with HighFive Checking, helping to cover you when your balance runs low. HighFive is PeoplesChoice’s high-yield bank account — combining rewards checking with built-in overdraft protection.

*Annual Percentage Yield. Qualifying APY earned on balances up to $10,000 when you meet monthly qualifications. APY of 5% guaranteed through 12/31/2027. Rates and Terms subject to change after that date.

**SpendShield availability and limits are subject to ongoing eligibility and may change based on account activity or risk.

Upgrade Your
Current Account

Already have an existing SpendShield Checking Account? Upgrade to a new HighFive Checking account today to start earning. Your account number, debit card(s), direct deposits, and automatic payments will remain the same. It only takes a few minutes and is completely hassle free!

A PeoplesChoice Visa debit card with a chip, displaying cardholder name “Sarah Doe”, over a blue circular logo.

What our Members are Saying:

Amazing service

“Have always had amazing service and felt like a valued member and not just an account number—for over 40 years!”

Laurie H.
Never had a better banking experience

“I have never had a better banking experience. I love the service professionals. I have always gotten answers to any questions. It is so easy to bank here.”

Denise D.
Neighborly

“I like the neighborliness & humanity. I especially like that, unlike other local banks, when I go in for a transaction, I’m not constantly upsold and asked to get new cards or accounts that I don’t want.”

Harold B.
The absolute best experience

“The absolute best experience I have had with any financial institution! Every question I have had is always answered!”

Jaime

Give yourself a HighFive

Want more from a checking account? Enjoy interest on qualifying balances, no monthly fees, early paycheck access, and built-in protection—it’s all right here.

Two people smiling and giving each other a high five, surrounded by a blue geometric design.