Why bank when you can be Young & Free?
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. Being Young & Free, in Maine, has never been easier.

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

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

  • Free mobile, online 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

  • $10 gift card for new accounts***
  • Young & Free Loans: 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 talk “Young & Free” with one of our loan or member service representatives. Credit unions are known for lower loan rates and less fees compared to banks.
  • The best online location to find tips, tricks and fun things to do – YoungFreeMaine.com, a mobile website that supports your style of living. Lauren Reeves, our Young & Free Spokester is your advocate for your generation. Through social media, she is there to connect with 18- to 25-year olds around Maine on what is important to you and your friends.

* Annually is defined as January to December in a given calendar year.
** Checks are available upon request at most credit unions.
***The product features and rewards of the free4ME Checking Account may differ from credit union to credit union. Please check availability with your credit union on the gift card.