Looking for a stellar checking account? An Advantage Checking Account with Acadia has no monthly fees and even lets you earn interest. Come in today—we'll set you up with an account and issue your new debit card on the spot.
For maximum convenience, all our debit cards are compatible with Apple Pay, Android Pay, and Samsung Pay. You can also use them to withdraw money at any SURF ATM in the country without invoking a fee.
If you’re interested in Overdraft Protection, be sure to link your Savings Account with your Advantage Checking Account so that money is transferred automatically in case of a misstep. We offer this feature so you’ll never have to worry about NSF (non-sufficient funds) fees.
We do not recommend that account holders pursue this course of action, as it becomes complicated while also potentially posing a risk to Acadia FCU. Due to the fact that individuals often make multiple updates to their wills throughout their lifetime, it is possible for beneficiaries to be added or removed. Consequently, it can be challenging for a financial institution to determine which will is the most current and valid. Therefore, it is best practice for members to clearly specify their intended beneficiary(ies) in their member account documentation.
If a member insists on using the “See Will” option, Acadia FCU will require a notarized copy of the will, which will be recorded with a date in the member’s account(s). In the event that the member updates their will and fails to notify us, we will rely on the version of the will that was initially provided.
As per our membership agreement, should Acadia need to hire legal counsel in order to make the proper determination as to who the beneficiaries and the proper percentage of the disbursements are, Acadia FCU may deduct those legal fees from funds that are on deposit. If you have any concerns regarding this matter, please do not hesitate to contact us.
The minimum age requirement for a share draft/checking account is 13 years of age, with the proper signatures from consenting adults/guardians. A debit card will also be provided by request.
The minimum age requirement for a share draft/checking account is 13 years of age, with the proper signatures from consenting adults/guardians.
As a member of Acadia FCU, the most NSF fees you could be charged in a single day is FOUR. Please consider opening an Overdraft Line of Credit or ask us about Courtesy Pay if you have concerns about incurring NSF charges.
Yes, we sure can! From within your Acadia FCU Digital Banking portal, you can activate “Credit Score,” a free service for our members. Powered by SavvyMoney, Credit Score will help you stay on top of your credit. It monitors your credit report daily and informs you by email if there are any big changes detected. Learn more by visiting the Credit Score product page on this site. You can also check out this video on your YouTube channel to learn more!
Yes – if you enroll for texted fraud alerts, you will receive a text from our offsite fraud center to approve or deny a suspicious charge. Sometimes, these transactions are actually legitimate and your debit card gets blocked when it doesn’t really need to be. Learn more about this service here.
The short answer is YES. Here are few important things to know about how Maine credit unions are protected:
Visit www.MyCreditUnion.gov for more information about the National Credit Union Share Insurance Fund coverage for consumers. Download this informational brochure to help answer any other questions you may have.
Yes, teens age 13 and older can open checking accounts and get a debit card, as long as there is a parent or guardian also on the account. The responsible adult will need to fill out a minor addendum stating that they are responsible for losses incurred on the minor’s savings and checking accounts. We love to see our younger members learning how to be responsible and are happy to help them, anytime!
You certainly can open a checking account online! You can apply right here and indicate what type of account you want to open.
You can find all of Acadia’s important disclosures and various account applications right here.
My family has five generations of members beginning with my grandmother all the way to my grandchildren. In 2008 when we lost our home to the flood, Acadia helped us move on with our lives. It was a time when we needed hope and answers, and Acadia was there. Bonita C., member since 2006
