Personal Checking





















Checking accounts designed to make managing your finances, easy.

With us, you get support from real people in your community who are committed to helping you achieve your financial goals without confusing bank lingo. Our checking accounts are designed to make it easy to manage your finances - wherever you’re at in life.


Schedule an appointment to open your account >> 







e-Tegrity Checking

The account on the go

Our e-Tegrity Checking account is designed for those who have active and busy lifestyles and prefer the convenience of banking anytime, anywhere.

Benefits:
  • Free Worldwide ATMs*
  • Free online banking with bill pay, mobile and telephone banking
  • Free eStatements
  • Free Mastercard® debit card
  • No minimum balance required
  • Low minimum balance of $50.00 to open

Open an e-Tegrity Checking account online >>

View full benefits of this account >>

e-Tegrity Checking designed for students >>

Integrity Checking

The checking account that keeps things simple

Our Integrity Checking Account is designed to work for everyone looking for simplicity and convenience.

Benefits:
  • Free online banking with bill pay, mobile and telephone banking
  • Free mobile deposit
  • Free ATM transactions at all Skowhegan Savings locations
  • Low minimum of $50.00 to open

View full benefits of this account >>

Integrity Plus Checking

Relationship Banking

With relationship banking, you can enjoy all the benefits and additional features of Integrity Plus Checking. With Integrity Plus Checking, you will get more than a checking account. You'll get access to a whole host of perks not normally associated with standard checking, from discounts to preferred rates and so much more. Integrity Plus Checking goes beyond convenience and gives you a real advantage.

Benefits:

  • Free Worldwide ATMs*

  • Free online banking with bill pay, mobile and telephone banking
  • Free Mobile Deposit
  • Free bill pay
  • Free online bank-to-bank transfers
  • Discount on residential loan closings

View full benefits of this account >>



Integrity Prime Checking

Benefits built for you

Our Integrity Prime Checking account is designed for those 60+ who want simplicity and flexibility.

Benefits:
  • Free online banking with bill pay, mobile and telephone banking
  • Free mobile deposit
  • Free ATM transactions at all Skowhegan Savings locations
  • Free order of standard checks per year
  • Low minimum of $50.00 to open

View full benefits of this account >>

"Skowhegan Savings is always so kind, thoughtful and listens to what I need done. Thank you for great service."

– Skowhegan Savings Customer




"Many years of satisfaction with the service we receive. Thank you!"

 
 

 

– Skowhegan Savings Customer

"Very fast and friendly service, with several people offering to help with our needs. We have always been happy with Skowhegan Savings and appreciate the warm, welcoming staff."

– Skowhegan Savings Customer




View and compare the benefits of our checking accounts

e-Tegrity

Integrity

Integrity Plus

Integrity Prime

Earns Interest

 No
 No Yes No
Minimum Balance to Open $50 $50 $50 $50

Minimum Monthly Average Daily Balance to Waive Service Charge

 N/A
 $50
 $10,000.00 in combined deposit and/or loan balances
 $50
 
Monthly Service Charge if Balance is Below Minimum Average
 
 N/A
$2
 $25
 $2
ATM Transactions
 Free Transactions Worldwide*
Free at all
Skowhegan Savings
locations
 Free Transactions Worldwide*
Free at all
Skowhegan Savings
locations

Free Online, Mobile & Telephone Banking

 Yes
 Yes Yes Yes
Free Standard Checks
 No
 No
 Yes
 Primary account owners 60 and over receive one order of free standard checks per year

Free Money Orders & Treasurer Checks

 No
 No
 Yes
 No

Discount on Residential Loans & Closing Costs

 No
 No
 Yes**
 No
Free Debit Mastercard®
 Yes Yes Yes Yes

Overdraft Protection Available for qualified applicants

 Yes Yes Yes Yes
Free Online Bank to Bank Transfers
 Yes Available with a service charge
 Yes Available with a service charge

Small Safe Deposit Box Rental Discount

 No
 No
 Yes, one year free for new small safe deposit box rental or $20 toward a larger box
 No
Mobile Deposit
 Yes Yes Yes Yes
For all terms and conditions, see full disclosures provided at account opening.

*Third Party Fees may apply.  When you accept the disclosed fee Skowhegan Savings will refund that fee the next business day.
**Integrity Plus Checking account customers receive $150 credit off mortgage closing costs and may be eligible for an additional credit towards home equity closing costs.



For the needs of today and dreams of tomorrow.

Savings Account
A great way to start you on your way to bigger investments while providing easy, convenient access.
 

Digital Banking
Our online and mobile banking make managing your finances easy, intuitive and simple.
 
 
Home loan
Whether you are a first-time home buyer or an experienced homeowner, we are here to help you achieve your dreams. 
 
Personal Loan
Get the money you need for whatever is next in your life with help from Maine lenders.
 
 
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Skowhegan Savings Bank Personal Checking FAQs

Why open a Skowhegan Savings personal checking account?

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A Skowhegan Savings checking account provides convenient, everyday access to your money with online and mobile banking, bill pay, a Mastercard® debit card, and surcharge-free ATMs. It’s designed to make managing your finances simple, secure, and local.

What do I need to open a checking account at Skowhegan Savings Bank?

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To open a personal checking account, please have:

  • A valid photo ID

  • Your Social Security Number

  • Proof of address

  • An opening deposit (varies by account)

You can apply online anytime (for certain accounts) or visit one of our Maine branches for in-person assistance.

Can I open a Skowhegan Savings checking account online?

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Yes. Skowhegan Savings offers a secure online application that lets you verify your identity and fund your new account digitally. Opening an account online takes just a few minutes.

Open checking account online >>

Does Skowhegan Savings Bank charge monthly checking fees?

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We offer several checking options, including free checking with no monthly maintenance fee. Other accounts may include a small fee, which can often be waived with direct deposit or minimum balances. We’ll help you choose the account that matches your banking habits.

Do I get a debit card with my checking account?

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Yes. All Skowhegan Savings checking accounts come with a secure Mastercard® debit card you can use for purchases, ATM withdrawals, and digital wallet payments. Lost or stolen cards can be replaced quickly upon request.

What Should I Do If My Skowhegan Savings Debit Card Is Lost or Stolen?

Contact us immediately. We will freeze your card and issue a replacement — often the same day at select branches.

How do I set up direct deposit at Skowhegan Savings Bank?

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Provide your employer or benefits provider with:

  • Skowhegan Savings routing number
  • Your checking account number

Your funds will then be deposited automatically on payday.

How can I avoid overdraft fees on my checking account?

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Skowhegan Savings offers several ways to avoid overdrafts, including:

  • Real-time balance access in online and mobile banking
  • Custom account alerts
  • Overdraft protection linked to a savings account
  • The option to decline overdraft coverage on debit purchases

Talk to a banker to choose the best solution for your needs.

How do I order checks for my Skowhegan Savings checking account?

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Checks can be ordered through online banking, by calling your local branch, or by requesting them in person. Some accounts include discounted or complimentary check orders.

Is online and mobile banking secure at Skowhegan Savings Bank?

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Absolutely. We use industry-leading security measures such as encryption, secure login, multi-factor authentication, and real-time fraud monitoring to protect your information and accounts.

Does Skowhegan Savings Offer Mobile Check Deposit?

Yes. With our mobile banking app, you can deposit checks by snapping photos of the front and back. Most mobile deposits are credited the same business day or the next.

Can I have multiple checking accounts at Skowhegan Savings Bank?

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Yes. Many customers open additional checking accounts to help organize spending, manage shared expenses, or budget. Our bankers can help you set up accounts that fit your financial goals.


See a Personal Banker for full product disclosure.


*Third party fees may apply.