Personal Checking Accounts With Online & Mobile Banking

Make Cents Checking

Get rewarded for using your debit card.

Reimbursed ATM fees in the U.S.
Earn 10 cents per purchase
No monthly maintenance service charge
Earn interest
$1.00 to open
Mobile and online banking

Essential Checking

Get the financial flexibility you need. No questionable fees. No strings attached.

Unlimited check writing
No monthly maintenance service charge
$1.00 to open
Mobile and online banking

Photo of person swiping Make Change debit card

Make Change^SM Checking

For each qualified purchase made with your Make Change debit card, we’ll donate 10 cents to support underrepresented businesses in Maine, at no cost to you.

10 cents per purchase is donated
Reimbursed ATM fees in the U.S.
No monthly maintenance service charge
Mobile and online banking

Children saving money in piggy bank, parents smiling

Smart Start Checking^SM

Get access to banking services you can feel comfortable using daily. Everything you need to manage your finances securely with no overdraft fees.

No overdraft or non-sufficient (NSF) fees
Reimbursed ATM fees in the United States
Our foreign wire transfer fee reimbursed
Free money orders
No minimum daily balance

Champion Checking

Get rewarded with competitive interest rates when you maintain a higher balance.

Reimbursed ATM fees in the U.S.
No monthly maintenance service charge
Earn a higher interest rate
Unlimited transactions
Mobile and online banking

Health Savings Account (HSA)

Contribute money from each paycheck, earn tax-free interest and pay for qualified expenses with a convenient debit card.

No monthly maintenance service charge
Earn interest tax-free
Pay for a variety of qualified medical expenses
Roll over savings year-to-year
Mobile and online banking

Compare Checking Accounts

Account	Make Cents Checking	Essential Checking	Make Change^SM Checking	Smart Start Checking^SM	Champion Checking
A smart option for:	Those looking to earn rewards on everyday purchases.	Those who prefer simple and traditional checking with no strings attached.	Those seeking to do some good with everyday spending.	Those looking for low-cost checking with no overdraft fees.	Those who maintain a higher balance and seek competitive interest rates.
Benefit:	Earn 10 cents per debit card purchase*	Unlimited check writing	10 cents per purchase is donated	No overdraft or non-sufficient (NSF) fees; Free money orders; GSB Foreign Wire Transfer fee reimbursed*	Earn a higher interest rate with unlimited transactions
Earns Interest:	✓		✓		✓
Online & Mobile Banking:	✓	✓	✓	✓	✓
Reimbursed ATM Fees in the U.S.:	✓		✓		✓
Minimum Daily Balance:	$XX	$0	$XX	$0	$XX
Minimum to Open:	$1.00 to open	$1.00 to open	$1.00 to open	$1.00 to open	$1.00 to open
No Monthly Maintenance Service Charge:	✓	✓	✓	$5 per month	✓
Other Features:	Limit of 5 checks or bill payments per statement cycle		Limit of 5 checks or bill payments per statement cycle	No overdraft services	ACH deposit/transfer required to receive higher rates
	LEARN MORE	LEARN MORE	LEARN MORE	LEARN MORE	LEARN MORE

Lost It? Lock It With Card Controls

Enjoy the convenience and security of using your phone to manage and protect your debit card. With Card Controls, you can turn off your card, set transaction limits, and set location-based controls anytime, with ease.

The Right Solution

At The Right Time

Change, we know it well. Not just because we're a bank. But, because we design our banking products around our clients changing needs. Our banking solutions evolve with you - from your first job, to retirement and beyond.