Honors Checking

The honor is all ours when you become a member — and the perks are all yours with this fee-free, high-dividend checking account.

  • Earnings of up to 3.50% APY* per month*
  • Fee refunds at ATMs nationwide*
  • No monthly service fees*
  • 24/7 Digital Banking

Indulge in the perks of Honors Checking, including refunds on your ATM withdrawal fees nationwide.*

With Honors Checking, every ATM is your ATM, whether you’re in Lewiston, Maine, or Lewiston, Idaho.

Become a member today and simply ensure the following transactions and activities post and settle to your account each monthly qualification cycle. Miss a month? Don’t worry, you’ll still earn our base dividend rate — and get back to scoring rewards the very next cycle that you qualify.

  • Make at least 12 debit card purchases
  • Enroll in and agree to receive e-statements
  • Enroll in and log into Digital Banking
  • Receive at least 1 ACH transaction credit (e.g., payroll direct deposit)

FAQs

Here’s some faqs

Pending transactions are displayed in the transaction history of each account. For pending debit card transactions, you’ll see POS Hold and the company name as the description (for example, POS Hold, Hannaford Supermarkets) along with the transaction amount.

Quick balance lets you view your account balances without fully logging into digital banking. It’s an easy way to check your balance while you’re in line or before you check out.

Current username and password, Social Security Number and zip code.

Call Dirigo Federal Credit Union at 1.800.281.5435 and speak with a Member Support Specialist to unlock your digital banking account or reset your password by clicking the Forgot Password link found at the bottom of the digital banking login page.

Username

  • Minimum Length – 6 characters
  • Maximum Length – 40 characters
  • Allows alphanumeric and special characters

Password

  • Minimum Length – 8 characters
  • Must include a number, uppercase letter, lowercase letter and special character

Browser

  • Google Chrome: latest 2 versions
  • Firefox: Latest 2 versions
  • Microsoft Edge: Latest 2 versions
  • Safari: Last 2 major versions
  • iOS: Last 2 major versions
  • Android: v7.0 and above

Device

  • Windows: Versions that are still supported by Microsoft and support a browser listed here
  • OS X: Versions that are still supported by Apple and support a browser listed here
  • Android: v7.0 and above
  • iOS: Last 2 major releases

Members have access to their primary and joint accounts. With one login, you can see your primary and joint loans and accounts with full access to manage and complete transfers.

Digital ID is an expedited method to verify your identity when you contact us for assistance by phone. Rather than ask a series of questions to confirm your identity, we’ll send a prompt to your mobile device for quick verification and faster service.

From your mobile banking app, select the Deposit Check camera icon in the menu at the bottom of the page. Endorse the back of your check to read “For mobile deposit only at Dirigo FCU.” Select the account where you want to make the deposit, enter the amount of the check, and take a photo of the front and back of the check. Click to Submit Deposit and wait for confirmation. Pro Tip: Keep the check on hand for 14 days in the event of a failed deposit attempt.

Select the Forgot Password link at the bottom of the digital banking login page, choose the communication delivery method for your verification code (email, SMS text, or voice call), enter 6-digit PIN, and create a new password.

Yes, simply sign up for eStatements via your digital banking account under the Accounts tab. You can view up to 18 months’ worth of statements and download or print your eStatements.

Yes, click on the check in your account’s transaction history and an image (front & back) will display.

Visit Card Management under the Accounts tab to manage your Dirigo Federal Credit Union debit cards. You can set travel alerts, block transactions, and re-order a debit card.

Honors Checking Rates

DIRIGO Honors

DIRIGO Honors & Signature Rewards Checking
Account TypeDividend RateAnnual Percentage YieldMinimum Balance
Dirigo Honors Checking ($0-$25,000)3.45%3.50%None
Dirigo Honors Checking (over $25,000)0.29%0.64%-2.00%$25,000.01
Dirigo Honors Checking (Qualifications NOT met)0.10%0.10%None

View Disclosures

  • Full Legal Name
  • Date of Birth (must be at least 18 years old)
  • Government-issued Photo ID (driver’s license, passport, or state ID)
  • Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)
  • Current Residential Address (and mailing address, if different)
  • Contact Details (including phone number and email address)

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Disclosures

1APY=Annual Percentage Yield. APYs accurate as of X/X/2026. Rates are subject to change. Fees may reduce earnings. Qualifying transactions must post and settle to the Dirigo Honors Checking account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. For the Dirigo Honors Checking, if qualifications are met each monthly qualification cycle:

  1. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25 and credited to the account on the last day of the monthly statement cycle; 2) balances up to $25,000 receive APY of 2.00%; and 3) a dividend rate of 0.299% will be paid on the portion of your average daily balance that is greater than $25,000.01. The annual percentage yield for this tier will range from 2.00% to 0.64%, depending on the balance in the account. When your Honors Checking account qualifications are not met, the dividend rate paid on the entire balance will be 0.049%, with an annual percentage yield of 0.05%.

If qualifications are not met however no ATM refunds will be paid. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons, and other requirements apply. Having at least one ACH Credit in your Dirigo Honors Checking account, a minimum of 12 POS debit card transactions and receipt of electronic statements are conditions to qualify for the monthly reward each cycle period. The advertised Dirigo Honors Checking APY is based on compounding dividends. Dividends are compounded every month. Dividends are credited to your account on the last day of the current Statement Cycle. If you close your account before the dividend is credited, you will not receive the accrued dividend. Dividends begin to accrue on the Business Day you deposit cash or non‐cash items (for example, checks). Limit one account per social security number. Federally Insured by NCUA.