Free Checking Accounts

OTIS Checking Accounts come with built-in features designed to simplify your financial life. And the best part? They’re free! Our Checking Accounts have no minimum balance requirements and no monthly service charges, and offer a number of other convenient benefits.

When you open an OTIS Checking Account, you’ll enjoy:

  • FREE, mobile-wallet compatible OTIS Visa Rewards Debit Cards with unlimited fee-free access to OTIS ATMs and CO-OP Network ATMs state- and nation-wide
  • FREE Shared Branch banking at 155 locations in Maine and over 5,000 CU Service Center locations across the country
  • Overdraft protection from your Savings Account
  • Overdraft protection from a Draft-a-Matic Loan (subject to credit approval)
  • FREE personalized checks
Visit us to open an account!


Visa Rewards Debit Cards

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Free4ME Checking

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OTIS Mobile Banking

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Surcharge-Free ATMs

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Shared Branching

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Have questions?

Our team is here for you. Feel free to give us a call at (207) 897-0900 Monday through Friday, from 9 AM to 5 PM or send us a message on our Contact page.

How can OTIS work for you?

If you live, work, worship, or attend school in Franklin County, Canton, Fayette, Hartford, Leeds, Livermore, Livermore Falls, Mount Vernon, Readfield, Turner, Vienna, or Wayne, you’re eligible to be part of OTIS FCU – and we’d love to have you join our community.