Free checking account with overdraft protection

PeoplesChoice Checking with SpendShield gives you the convenience of personalized protections, online and mobile access, and free bill pay to keep your cash in check.

PeoplesChoice Checking with SpendShield has it all

  • No monthly fees
  • $10 buffer before any overdraft fee
  • Lowest overdraft fee in Maine – Only $14.95
  • No minimum balance
  • Lightning Pay Direct Deposit – Get your paycheck Early!
  • Apple Pay
  • Free Visa Debit Card
  • Free mobile and online banking
  • Access to 85,000 ATMs nationwide
  • No more than 5 overdraft fees in one day

Maine’s lowest fees guaranteed

Goodbye costly fees and overdraft charges! Your money should go toward your financial needs. Enjoy PeoplesChoice Checking with SpendShield, a free checking account with no monthly fees, and the lowest overdraft charges in the state. And if you do overdraw (because things happen), we provide a $10 buffer before any fee is charged.

The smarter, easier way to bank

With features like free online banking and mobile deposit, you’re never without access to your cash — even having your paycheck up to two days early with Lightning Pay Direct Deposit. Our mobile and online banking options allow you to view account balances, transfer funds, mobile deposit, and locate your nearest ATM or PeoplesChoice branch. Bank smarter with Apple Pay and enjoy contactless purchasing, send and receive money, and more.

Access to your cash wherever you are

With 85,000 free ATMs nationwide, you won’t be stranded. Get fast cash when you need it most, without any fees. Withdraw money, check your accounts, deposit, and transfer funds from any of the thousands of ATMs in our nationwide network. 24 hours a day. Seven days a week.

Easy banking in your pocket

Open your PeoplesChoice Checking with SpendShield account and get a free VISA Debit Card. 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.

PeoplesChoice Checking with SpendShield has it all.

A FREE checking account with no monthly fees, the lowest overdraft fees in Maine, and a safety net when you need it most. With PeoplesChoice Checking, you’re guaranteed the flexibility and freedom you need to keep your cash in check. Features like free mobile banking, direct deposit, and more get you what you want, when you need it.