Basic Checking: The Gardiner Federal Credit Union Share Draft (checking) account offers all of the convenience you expect with absolutely no regular monthly or per-check fees.
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NO minimum balance required.
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NO monthly service fee charged.
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NO per-item or per-check charges.
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Cashier’s Checks and Money Orders.
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Digital Banking Access.
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I Talk.
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Make deposits by payroll deductions, mail, direct deposit, night deposit, electronic funds transfer or in person.
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A single monthly statement lists all your account balances.
Compare minimum balance requirements and checking account service fees at other financial institutions and you will see, a Gardiner Federal Credit Union checking account is a great value!
Free4ME Checking Account: The Free4ME Account is the ultimate account for members ages 18 to 25 years old. No strict rules, no transaction requirements, like other accounts. We offer perks that give you a head start.
Fee free… plus a little forgiveness
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Two Oops! Refunds annually* – if you overdraw in those “oops” moments, we forgive.
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Free debit card for all your purchases and withdrawals**
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No monthly fees.
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No minimum balance requirements ($25 min. balance still required in share/savings).
Benefits that give you a head start
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Tired of living in the basement or using Dad’s car? Need your own credit card? We’ll help prepare you for your first car loan or any major life event – come in and speak with one of our loan or member service representatives. Credit unions are known for lower loan rates and less fees compared to banks.
* Annually is defined as January to December in a given calendar year.
Consider linking a Debit Card/VISA® Check Card to your checking account, for easier 24/7 access to your money.
Debit Card/VISA® Check Card Online Application
Debit Card/VISA® Check Card Terms, Disclosure & Printable Application
For information regarding debit card safety tips and debit card holds, please click on the following brochure: Debit Card Holds.
Click here to order checks, or to re-order checks.
Information you will need, to order your checks, include our Routing / Transit # 211287793 & your account number.
Gardiner FCU
420 Brunswick Road
Gardiner, ME 04345
