Honors Checking

Get Paid. Bank Local.

Save whenever you spend.

Fee Free Checking That Pays You High Dividends and Refunds on ATM Withdrawal Fees, Nationwide*

With our fee-free Honors Checking, we basically pay you to bank with us. Just do simple activities you probably already do, and you’ll earn up to 2.00% APY* every month.

You’ll also get refunds on ATM withdrawal fees, nationwide — so every ATM is your ATM, whether you’re in Lewiston, Auburn, or elsewhere. Open your accounts online today!


  • Free checking that pays high dividends
  • 2.00% APY* on balances up to $25,000
  • 2.00% to 0.64% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* if qualifications aren’t met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking with bill pay
  • Free e-statements
  • Free mobile banking
  • Free Contactless debit card
  • Free telephone banking
  • No minimum deposit to open
  • It’s so easy to earn your rewards!


Enrollments must be in place and all of the following transactions and activities must post and settle to your Honors Checking account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking
  • At least 1 ACH transaction credit
  • And if you don’t meet these qualifications, don’t worry — your account is still free.

Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Earn your ATM fees back, too

Don’t worry. Honors Checking refunds your ATM fees, nationwide.* No matter which reward you choose!

*APY=Annual Percentage Yield. APYs accurate as of 3/1/2022. 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 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.

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DIRIGO Honors & Signature Rewards Checking

Dividend Rates Effective May 1, 2022

Account TypeDividend RateAnnual Percentage YieldMinimum Balance
Dirigo SAVER No Longer Offered.99%1.00%None
Dirigo SAVER No Longer Offered0.29%0.53%-1.00%$50,000.01
Dirigo Honors Checking ($0-$25,000)1.98%2.00%None
Dirigo Honors Checking (over $25,000)0.29%0.64%-2.00%$25,000.01
Dirigo Honors Checking (Qualifications NOT met)0.05%0.05%None
Dirigo Signature Rewards0.00%0.00%None

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