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, CONTACTLESS INSTANT ISSUE 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
  • FREE personalized checks
Already have a Membership Share (Savings) Account? Visit us to open a Checking Account today!


Loyalty Rewards Visa Debit Card

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Teen Flex Accounts

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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.

Join Us & Experience the OTIS Advantage

If you live, work, worship, or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Lincoln, Oxford, Sagadahoc, Somerset, or York County, you are eligible to become a member of OTIS FCU. Immediate family members, regardless of geographic location, are also eligible. We look forward to meeting you!