Free 4 Me Account
Why bank when you can enjoy all the benefits of owning it, as a member of Gardiner FCU?
Credit Unions have something for you that banks just don’t. 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

  • Two Oops! Refunds annually* – if you overdraw in those “oops” moments, we forgive
  • Free debit card for all your purchases and withdrawals**
  • No monthly fees
  • No minimum balance requirements ($25 min. balance still required in share/savings)

An account that goes everywhere with you – with more branches and ATMs than any single bank in Maine

  • Free mobile, digital banking and e-statements
  • Free SURF ATM network use (no fees to withdraw your money). SURF is the LARGEST surcharge-free ATM network in Maine with over 225 locations
  • Free access to the Shared Branching Network – use any credit union branch as if it was your own – deposit checks, pay bills or withdraw cash. There are shared branches wherever you go… over 155 in Maine and 5,000 across the country

Benefits that give you a head start

  • 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.