Checking Products

When you open a Checking Account at PeoplesChoice Credit Union you are entitled to a collection of benefits that give you unmatched financial control over your account. Our FREE checking products are designed to meet the needs of people with a wide array of needs.


It's as simple as that. Fee Free Checking comes with every member account and gives you financial flexibility and freedom that's a thing of the past in the world of big banking.

Free Checking Benefits:

No Minimum Balance Required

*$5.95 monthly fee applies when you pay less than three bills per month.

Free4ME CHECKING with Oops Guard!

Our younger members needs differ from those of our more established account holders. Our free4ME account is a specialty checking account geared towards our members between 18 and 25 years old.

Young & Free Maine Benefits:


All the benefits of our Free Checking listed above plus:

  • Oops Guard! Life gets crazy sometimes. We won’t punish you for a couple of overdraft oversights. Each calendar year, PeoplesChoice will forgive two overdraft charges. Please ask a representative for more information!

Don't forget to check out for blogs, tips and other financial 411 just for our younger account holders.



With every member checking account you will receive the VISA® Debit Card. Here's the convenience of an ATM card that works like a check wherever VISA® debit card is accepted.

Wherever members see the VISA®, NYCE® or PLUS® network symbols, they simply present their VISA® Check Card and the purchase is deducted automatically from their checking account. Our Check Card allows you to make deposits at the customer service desk at major supermarkets, and it is also your key to instant cash at millions of participating locations worldwide.

To report lost or stolen Debit Card after hours call 800-472-3272.
During business hours you can contact us at 207-282-4156.


$nap Deposit

$nap! Mobile Check Deposit is a convenient feature of the PeoplesChoice Credit Union Mobile Banking App that makes it simple to quickly and securely deposit checks using your Apple® or Android™ device that has a camera.



Lightning Pay

Lightning Pay is a new way of applying payroll direct deposits that allows members to get early access to their payroll funds. This new feature will allow members who are paid by direct deposit to their PCU account(s) to receive their payroll funds up to 2 calendar days ahead of their scheduled payday.


Learn More

Click here, call 1-877-785-6328 or come in to any of our four convenient branches and become a member today!