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RedWallet Cash Back
RedWallet Cash Back

We're all about putting money back in your pocket.  Start earning 2% cash back on your day-to-day debit card purchases with the account that pays.

Features

*Receive 2% cash back on your debit card purchases that post to and settle against your account during the monthly qualification cycle; up to a total cash back of $8 per monthly qualification cycle.

**If qualifications are met, domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card purchases. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.

***With verification of income, your first box of basic checks will be paid for by Maine Savings.

Reward Qualifications

You'll need to qualify each month to get your rewards. But it's so easy, you're probably already doing it!

To earn your rewards, simply do the following each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatements (and maintain a valid email address)
  • Be enrolled and log into Online or Mobile Banking

If you don’t qualify in a given month, don’t worry there is no penalty! Your checking account is still completely free and you may qualify for rewards next month.

Video

  • Maine Savings "Mistake" video

    Maine Savings "Mistake"

RedWallet Cash
RedWallet Cash

You work hard for your money. Why not let it put in some overtime for you? Let the cash you deposit earn competitive interest.

Features
  • 2.00% APY* on balances up to $10,000; 0.25% APY* on amount of balance over $10,000; 0.05% APY* if qualifications aren’t met
  • ATM fee refunds nationwide**
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free Online Banking with Bill Pay
  • Free Mobile Banking
  • Free eStatements
  • Free VISA®RedWallet® Debit Card or Black Bear Debit Card
  • Unlimited check writing with first box on us***
  • Low $20 minimum deposit to open
  • Overdraft protection line of credit available to qualified members

*APY = Annual Percentage Yield. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) balances up to $10,000 receive APY of 2.00%; and (2) balances over $10,000 earn 0.25% interest rate on portion of balance over $10,000, resulting in 2.00%-0.41% APY depending on the balance (this range is based on a total balance of $10,000 or less up to $110,000). If qualifications are not met, all balances earn 0.05% APY.

**If qualifications are met, domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card purchases. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.

***With verification of income, your first box of basic checks will be paid for by Maine Savings.

Reward Qualifications

You’ll need to qualify each month to get your rewards. But it’s so easy, you’re probably already doing it!

To earn your rewards, simply do the following each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatements (and maintain a valid email address)
  • Be enrolled and log into Online or Mobile Banking

If you don’t qualify in a given month, don’t worry there is no penalty! Your checking account is still completely free and you may qualify for rewards next month.

Video

  • Maine Savings RedWallet Into The Red video

    Maine Savings RedWallet Into The Red

*APY = Annual Percentage Yield. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) balances up to $10,000 receive APY of 2.00%; and (2) balances over $10,000 earn 0.25% interest rate on portion of balance over $10,000, resulting in 2.00%-0.41% APY depending on the balance (this range is based on a total balance of $10,000 or less up to $110,000). If qualifications are not met, all balances earn 0.05% APY.

**If qualifications are met, domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card purchases. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.

***With verification of income, your first box of basic checks will be paid for by Maine Savings.

RedWallet Tunes
RedWallet Tunes

With rewards that will bring music to your ears or packages to your door, this account will most definitely be your banking anthem.

Features

*Earn up to $10 in refunds of iTunes and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your RedWallet Tunes account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made.

**If qualifications are met, domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card purchases. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.

***With verification of income, your first box of basic checks will be paid for by Maine Savings.

Reward Qualifications

You’ll need to qualify each month to get your rewards. But it’s so easy, you’re probably already doing it!

To earn your rewards, simply do the following each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatements (and maintain a valid email address)
  • Be enrolled and log into Online or Mobile Banking

If you don’t qualify in a given month, don’t worry there is no penalty! Your checking account is still completely free and you may qualify for rewards next month.

Video

  • Maine Savings RedWallet Tunes video

    Maine Savings RedWallet Tunes

RedWallet Saver
RedWallet Saver

Give your RedWallet® Cash or RedWallet® Cash Back account a trusty companion. As your checking account earns rewards, those funds and ATM refunds will be deposited into your RedWallet® Saver account, helping you to save even more! This add-on account has no minimum balance and no monthly fees, and there are no additional qualifiers to capitalize on its unique interest-earning benefits.

Benefits
  • 0.50% APY* on balances up to $10,000; 0.25% APY* on amount of balance over $10,000; 0.05% APY* if qualifications aren’t met
  • The money you earn in RedWallet® Cash, including the high APY and ATM fee refunds, will sweep into RedWallet® Saver
  • The money you earn in RedWallet® Cash Back, including the cash back and ATM fee refunds, will post into RedWallet® Saver

*APY = Annual Percentage Yield.  Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) balances up to $10,000 receive APY of 0.50%; and (2) balances over $10,000 earn 0.25% interest rate on portion of balance over $10,000, resulting in 0.5%-0.25% APY depending on the balance (this range is based on a total balance of $10,000 or less up to $110,000). If qualifications are not met, all balances earn 0.05% APY. This account is limited to six electronic withdrawals a month. Unlimited in-branch withdrawals.  Please see your membership agreement for details.

Classic Checking

If a standard checking account is more your style, then this tried-and-true basic account has your name on it.

Benefits
  • Low $20 minimum to open
  • No minimum balance required
  • Unlimited check writing with first box on us*
  • No monthly processing fee
  • Overdraft protection line of credit available to qualified members
  • Classic Debit Card

*With verification of income, your first box of basic checks will be paid for by Maine Savings.

RedWallet® Debit Card

As a RedWallet® account holder, this card is your go-to connection to your cash. Whether you're making purchases in-person or online, each transaction will help you rack up the rewards that your checking account offers.

Black Bear Debit Card

Show your Black Bear pride and pair your Maine Savings account with a card that supports UMaine Athletics! Each time you use your Black Bear Debit Card to make a purchase, we'll make a $0.05 contribution to the Alfond Fund.

Additional Details

The Alfond Fund supports student athletes at the University of Maine, primarily through scholarships.

To join us in making a difference, just open a Maine Savings RedWallet® checking account and request the exclusive Black Bear Debit Card.

Video

  • Maine Savings Black Bear Debit Card video

    Maine Savings Black Bear Debit Card

Suspicious Activity Notification Information

A Suspicious Activity Case will be opened if activity on your Debit Card Account is in question.

NOTIFICATION PROCESS: Email, Text Message and Phone Calls

1) EMAIL: You will receive an immediate email. This email will notify you that a case has been opened due to suspicious activity on your debit card account. This email will be sent out 24/7.

2) TEXT: 1 minute after email is sent, a text is sent. You must opt-in to get this text. Text message communication will only be sent between the hours of 8a.m. - 9p.m. EST.

3) CALL: 15 minutes after text is sent, a phone call is made. Phone calls are also only made between the hours of 8a.m. - 9p.m. EST. Calls will continue until the member has been reached and confirmed the activity in question.

EMAIL Notification

An email will be sent out as soon as suspicious activity occurs on your Debit Card Account. If you do not wish to receive this notification please contact our Member Service Center at 1.800.273.6700.

Text Notification

Take advantage of our newest security offering: fraud alert text messages! You will receive an enrollment text message, if we have your cell number on file. Reply YES if you want to start receiving fraud text alerts when suspicious activity shows up on your Debit Card account. Quick action is key when suspicious activity has occurred and text messages are the fastest form of notification to you. See below how to take advantage of this new form of communication.

HOW DOES IT WORK?

1) You will get a text saying:

“Maine Savings Card Fraud Alerts activation text. Reply YES to confirm your enrollment, HELP for help, STOP to cancel texting. Msg & Data Rates May Apply.”

2) When you reply YES you will be enrolled and start receiving text alerts when suspicious activity occurs on your Debit Card account. The text you will receive after you reply YES will say:

“Maine Savings Card Fraud Alerts. Thank you for enrolling. Reply HELP for help, STOP to cancel. Msg & Data Rates May Apply.”

3) When suspicious activity occurs you will receive this text:

“Maine Savings Card Fraud Alert: Did you attempt transaction on debit card ending 0000 at Merchant in ME for $25.62? Reply YES or NO.”

4) If you reply YES you will receive this text:

“Maine Savings: Thank you for your response. We’ll continue to monitor your card for unusual activity.”

5) If you reply No you will receive this text:

“Maine Savings: You’ve indicated an unauthorized charge on your card ending in 0000. A temporary hold may have been placed on your card. Pls call immediately 1-000-XXX-0000.”

6) If you reply to a text after 72 hours you will receive this text:

“Your fraud alert has expired from the automated system. Please call 1-000-XXX-000 for further assistance. Reply STOP to cancel texting. Msg & Data Rates May Apply.”

7) If you get this text:

” ½…Please put a keyword in your reply. For FRAUD ALERT reply FSV01CH NO to 20733. For FRAUD ENROLLMENT reply FSVENCH NO to 20733. To opt out of all programs…”

This happens when an enrollment message is still live (72 hours) and a fraud alert is sent. The system is trying to understand if the 'YES/NO' is responding to the enrollment message or the fraud alert. If the consumer enters 'FSVENCH NO' or 'FSVENCH YES' then the consumer is replying to the enrollment of fraud alerts. If the consumer enters 'FSV01CH NO' or 'FSV01CH YES' then it will be applied to the alert and they will get the appropriate text letting them know of the next steps if any.

We Respond Promptly

We will contact the member with a phone call within 15 minutes if you do not reply via text between the hours of 8am - 9pm EST. We will continue to try and reach the member until the suspicious activity case is closed.

Frequently Asked Questions

1) I replied to the text but I have a voicemail asking me to call to verify my Debit Card activity. Do I need to call?

No. Once you reply to the text the case is closed. The same rule applies if you verify over the phone, there is no need to reply via text.

2) The number to contact is not a Maine number, should I still call this number?

The number to respond to will not be a Maine number. If you have any doubts that the text came from Maine Savings please call our Member Service Center at 800.273.6700

Please call our Mmber Service center for support if you have any questions 800.273.6700

RedWallet® Debit Card Options

Debit Card Text Alerts

As a RedWallet® account holder, this card is your go-to connection to your cash. Whether you're making purchases in-person or online, each transaction will help you rack up the rewards that your checking account offers.

Haven't joined our family yet? Become a member today!

Savings

From small goals to big plans, we have accounts for every stage of life.

Credit Cards

Get added financial flexibility and earn rewards while you shop.

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