Share Draft Accounts

Find out what our Share Draft checking can do for you and discover "the Credit Union Difference!"

Share Draft Checking


Our Share Draft accounts are one of our most popular services, and for good reason! Share Draft accounts at OTIS are not only always FREE, but come with many other convenient and compelling benefits.


Why Make the Switch?

If you're like most people, you've had your checking account with the same institution for some time--but could your checking account be doing more for you? Here’s what makes our Share Draft accounts so special:

  • No monthly service charges
  • No per item fee for drafts written
  • No minimum balance
  • FREE OTIS VISA Debit Card
  • FREE unlimited ATM access
  • FREE personalized checks (to reorder checks, stop by OTIS FCU or call 897-0900)
  • FREE 24-Hour access to your account via OTIS Talk, OTIS Online and Mobile Banking
  • 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 Share account (savings)
  • Overdraft protection from Draft-a-Matic loan (subject to credit approval)
  • FREE withdrawals at over 200 ATMs throughout Maine
  • OTIS VISA Debit Cards are compatible with Apple Pay, Android Pay, and Samsung Pay

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 Card

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.