Free Checking Accounts

Simplify your financial life!

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 come with:

  • NO monthly service charges
  • NO minimum balance
  • Compatibility with Apple Pay, Google Pay, and Samsung Pay
  • FREE OTIS Visa Debit Cards
  • FREE 24-Hour access to your account via OTIS Talk, OTIS Online and Mobile Banking
  • FREE unlimited access to OTIS ATMs
  • FREE withdrawals at over 200 ATMs throughout Maine via the SURF Network
  • FREE Shared Branch banking at 155 locations in Maine and over 5,000 CU Service Center locations across the country (and even some overseas!)
  • Overdraft protection from your Savings (Share) Account
  • Overdraft protection from Draft-a-Matic loan (subject to credit approval)
  • FREE personalized checks (to reorder checks, stop by OTIS FCU or call 897-0900)
  • No per item fee for drafts written

Open your Free Checking Account at OTIS today!

Find a Fee-Free ATM

Make FREE withdrawals at over 250 ATMs throughout Maine with the SURF (Surcharge-Free) Network! It’s the largest surcharge-free ATM network in Maine.

Overdraft Protection

Consider a line of credit on your Share Draft (checking) account with our overdraft protection program. Interest rates are variable.

Visa® Debit Cards

Our convenient, tech-friendly, and secure Visa Debit Cards can be used to withdraw from your Share Draft account wherever Visa Debit Cards are accepted.