Indulge in the perks of Honors Checking, including refunds on your ATM withdrawal fees nationwide.*

With Honors Checking, every ATM is your ATM, whether you’re in Lewiston, Maine, or Lewiston, Idaho.

Become a member today and simply ensure the following transactions and activities post and settle to your account each monthly qualification cycle. Miss a month? Don’t worry, you’ll still earn our base dividend rate — and get back to scoring rewards the very next cycle that you qualify.

  • Make at least 12 debit card purchases
  • Enroll in and agree to receive e-statements
  • Enroll in and log into Digital Banking
  • Receive at least 1 ACH transaction credit (e.g., payroll direct deposit)

What you need to open an account

  • Full Legal Name
  • Date of Birth (must be at least 18 years old)
  • Government-issued Photo ID (driver’s license, passport, or state ID)
  • Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)
  • Current Residential Address (and mailing address, if different)
  • Contact Details (including phone number and email address)

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Disclosures

1APY=Annual Percentage Yield. APYs accurate as of X/X/2026. Rates are subject to change. Fees may reduce earnings. Qualifying transactions must post and settle to the Dirigo Honors Checking account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. Monthly Qualification Cycle means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. For the Dirigo Honors Checking, if qualifications are met each monthly qualification cycle:

  1. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25 and credited to the account on the last day of the monthly statement cycle; 2) balances up to $25,000 receive APY of 2.00%; and 3) a dividend rate of 0.299% will be paid on the portion of your average daily balance that is greater than $25,000.01. The annual percentage yield for this tier will range from 2.00% to 0.64%, depending on the balance in the account. When your Honors Checking account qualifications are not met, the dividend rate paid on the entire balance will be 0.049%, with an annual percentage yield of 0.05%.

If qualifications are not met however no ATM refunds will be paid. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons, and other requirements apply. Having at least one ACH Credit in your Dirigo Honors Checking account, a minimum of 12 POS debit card transactions and receipt of electronic statements are conditions to qualify for the monthly reward each cycle period. The advertised Dirigo Honors Checking APY is based on compounding dividends. Dividends are compounded every month. Dividends are credited to your account on the last day of the current Statement Cycle. If you close your account before the dividend is credited, you will not receive the accrued dividend. Dividends begin to accrue on the Business Day you deposit cash or non‐cash items (for example, checks). Limit one account per social security number. Federally Insured by NCUA.