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With no minimum balance or monthly service fees, this is the perfect checking account for those who are just starting out. No need to worry too much about overdrawing; we offer two “OOPS!” refunds per year for non-sufficient fund fees. We DON’T charge per-check fees, plus all of our accounts are NCUA insured up to $250,000.

Frequently Asked Questions

  • Can teenagers open checking accounts and get their own debit cards?

    Yes, teens age 14 and older can open checking accounts and get a debit card, as long as there is a parent or guardian also on the account. The responsible adult will need to fill out a minor addendum stating that they are responsible for losses incurred on the minor’s savings and checking accounts. We love to see our younger members learning how to be responsible and are happy to help them, anytime!

  • Can I open a checking account with Acadia online?

    You certainly can open a checking account online! You can apply right here and indicate what type of account you want to open.

  • Where can I find Acadia’s disclosures or new account forms and applications?

    You can find all of Acadia’s important disclosures and various account applications right here.

  • What is the stop payment fee for checks?

    The fee to stop payment on a check can be found here under “Savings & Checking Account Fees.”

  • How do you protect against fraud?

    Breaches normally occur at the processor or store level, and we’re set up to protect you. All Acadia FCU members have 0% liability when it comes to fraudulent transactions. If a merchant is breached or compromised and your card info is stolen, you will never be left unprotected.

    If you see questionable transactions on your account, please report them to any of our branches right away. We maintain state-of-the-art fraud protection to guard our members’ personal information around the clock.

Need help? Send us a message.

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I was in my 20s when I got wise and switched to a credit union —they were my first approved loan! With all the fees other places have and Acadia's great customer service, why would anyone use another financial institution? Banking at Acadia FCU is the best. - Kathy K., member since 1992