Skip nav to main content.

Free4ME Checking Account

The Free4ME Account is the ultimate checking account for 18 to 25-year-olds. Instead of strict rules and transaction requirements, we've got perks that give you a head start.

Open Account
Acadia-Divider (1)

Your fee-free future starts now!

With no minimum balance or monthly service fees, this is the perfect checking account for those who are just starting out. No need to worry too much about overdrawing; we offer two “OOPS!” refunds per year for non-sufficient fund fees. We DON’T charge per-check fees, plus all of our accounts are NCUA insured up to $250,000. We’ll help prepare you for your first car loan or any other major life event. Come talk to us today.

  • No monthly service fee

  • Monthly paid dividends

  • Unlimited transactions

  • No minimum balance

  • Free VISA® Debit Card

I was in my 20s when I got wise and switched to a credit union —they were my first approved loan! With all the fees other places have and Acadia's great customer service, why would anyone use another financial institution? Banking at Acadia FCU is the best.

— Kathy K.

member since 1992

Frequently Asked Questions

  • Breaches normally occur at the processor or store level, and we’re set up to protect you. All Acadia FCU members have 0% liability when it comes to fraudulent transactions. If a merchant is breached or compromised and your card info is stolen, you will never be left unprotected.

    If you see questionable transactions on your account, please report them to any of our branches right away. We maintain state-of-the-art fraud protection to guard our members’ personal information around the clock.

  • The short answer is YES. Here are few important things to know about how Maine credit unions are protected:

    • Federally insured credit unions offer a safe place for credit union members to save money. These deposits are protected by the National Credit Union Share Insurance Fund and insured up to at least $250,000 per individual depositor – the same as any other federally insured financial institution.
    • Credit union deposits in federally insured credit unions are safe and secure, and all Maine credit unions are federally insured.
    • Credit union members have never lost a penny of insured savings at a federally insured credit union.
    • All Maine credit unions are regularly examined by financial regulators to ensure proper management and maintain the safety and soundness of members’ money within the institution.

    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.

  • The minimum age requirement for a share draft/checking account is 13 years of age, with the proper signatures from consenting adults/guardians. Yes, a debit card can be provided upon request. 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!

Related Products & Services

Advantage Checking Account
Learn More
Overdraft Protection
Learn More
Digital Banking
Learn More
Smart Card
Learn More
Instant Issue Debit Card
Learn More

Have a question?

 

 Contact us

Open Account

Not a Member, Yet?

Open Your First Account

Already a Member?

Request Additional Account

 

Check your application status

Get the App

Do you have an iPhone or Android?

iPhone Android

Leaving Our Website

You are leaving our website and linking to an alternative website not operated by us. We do not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.

Log in to Online Banking