Due to COVID-related staffing constraints, our Lower Village branch in Kennebunk will be closed Thursday, January 20th through Saturday, January 22nd.  The branch will reopen on Monday, January 24th.  As always, our ATMs, Online Banking and Mobile Banking are available 24/7. We apologize for any inconvenience.

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Personal Checking Account in ME & NH

Yes, you can get the same checking account features big banks offer right here at your neighborhood bank.

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Benefits of a Kennebunk Savings checking account begin right away

What kind of neighbor would we be if we didn’t do everything we could to make sure your checking account made your life easier? You’ll use it almost every day, and these helpful features and services ensure you get the security and convenience you expect:

  • Free ATMs¹
  • Instant-issue ATM/debit cards
  • Free Kennebunk Savings Mastercard® Debit5
  • Real-time account alerts

Explore Two Checking
Account Options

Breakaway Free Checking

Free ATMs anywhere, no monthly service charges and no minimum balance.

Interest Bearing Checking

Earn interest while you maintain a monthly balance of $500⁴.

Today's Interest Bearing Checking Rates

Minimum Balance to Earn APY Interest Rate APY
Tier 2 ($500.00 and above) 0.01% 0.01%
Tier 1 ($0.01-$499.99) 0.01% 0.01%

Interest rates and Annual Percentage yields (APY) are accurate as of Thursday, January 20, 2022. The rate may change after the account is opened. Fees may reduce earnings. Minimum deposit to open account is $1.

Free ATM use worldwide

Use the Kennebunk Savings ATM or Mastercard® debit card anytime at ATMs worldwide* with Microchip technology and other Fraud Services keep your card and identity safe. If something happens, we replace debit cards instantly at many branch locations, so you don’t have to wait for a new one.

*Free transactions at Kennebunk Savings ATMs for interest-bearing checking accounts. Free ATM transactions anywhere with a Breakaway free checking account. ATMs not owned by Kennebunk Savings may charge various fees including surcharge fees. Surcharge fees will be reimbursed. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 
Debit Card illustration

Send and receive money through Zelle

Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the cost of the lunch tab, Zelle is a fast, safe and easy way to send and request money with friends, family and others you trust6. Money is sent directly to the recipient’s account and is typically available in minutes7, and all you need to send money is the recipient’s email address or U.S. mobile phone number.

Account controls and real-time alerts and notifications

Set up online and mobile access* for your checking account and you can access convenient controls and alerts anytime:


  • Turn your debit card off (and back on) if you know you won’t be using it.
  • Set customized purchase controls and spending limits.
  • Restrict purchases at specific merchant types (such as gas, groceries, or retail stores) or geographic areas.


  • Receive alerts in real-time.
  • Choose to receive alerts via text, email, within your bank inbox, or via push notifications.
  • Set your account to send alerts for withdrawals, purchases, and more.

Check out our account alert and our mobile alert videos.

*Data/message rates apply.

Personal Checking FAQs

Are there any locational restrictions for deposit accounts?

Yes, checking and savings products customers must live or work in Cumberland or York Counties, Maine, or Rockingham or Strafford Counties, New Hampshire.

What kind of fraud protection does a Kennebunk Savings checking account have?

When you get a debit card with your account, you can set up fraud alerts. This free service will send you a text notification when there’s suspicious activity on your card, and you have 15 minutes to respond. If we don’t hear from you, we’ll call you to follow up. Please make sure we have your current cell phone number.

Other fraud services include:

  • Monitoring debit card activity round-the-clock, 24/7
  • Stop debit card transaction if suspicious and potentially place a temporary hold on further debit card transactions (until we hear from you)
  • Puts a “hold” on your debit card transaction, if suspicious
  • You can learn more about our fraud services here.

Can I link my online checking account to digital wallet?

Yes, you can link your account to Apple Pay®, Google Pay™ and Samsung Pay™, too. Once linked, you can use your smart device to pay for purchases by tapping a button and holding your device over the contactless payment terminal. It’s a smart way to safeguard your payments, and rest easy knowing this method has the same fraud protection as physically using your debit card in stores.

Data rates may apply. Apple Pay® is a trademark of Apple Inc. Google Pay is a trademark of Google LLC. Samsung is a trademark of Samsung Electronics Co., Ltd.

What kind of overdraft protection does the Kennebunk Savings checking account have?

If you find you’ve overdrawn your account, we offer a few options. You can find important details here about fees, types of transactions that may be covered, when an overdraft may not be paid and repayment of overdrafts. Here’s a quick summary:

Smart Overdraft Transfer

Use your own money first and link one of your other Kennebunk Savings deposit accounts to your checking account to automatically protect against checking account overdrafts.

Smart Overdraft Advance

Apply for a line of credit that will automatically protect against checking account overdrafts up to your Smart Overdraft Advance limit.

Smart Overdraft Assist

At our discretion, we will strive to pay any overdrafts which may be presented against your account instead of returning the item unpaid. An Overdraft Fee of $35 may be charged for each overdraft item greater than $5.

Smart Overdraft Assist Select

This is an additional level of our discretionary overdraft service for ATM withdrawals and one-time POS debit card transactions. An Overdraft Fee of $35 may be charged for each overdraft item greater than $5. As with Smart Overdraft Assist, we will, at our discretion, strive to pay any overdrafts that may be presented against your account instead of declining the transaction. Affirmative consent is required to opt into this service.

1) Free transactions at Kennebunk Savings ATMs for interest bearing checking accounts. Free ATM transactions anywhere with a Breakaway free checking account. 2) Online and mobile banking terms and conditions will apply; Messaging and data rates may apply. 3) An automatic transfer to a checking account from an eligible linked deposit account to cover overdrafts. To enroll, call Customer Care at 1-800-339-6573 or visit your local branch. 4)Minimum of $500 balance to avoid $7 service charge. Monthly Service Charges are based on balances and activity that occur during your monthly statement cycle. 5) The first debit card is free. If card is lost or damaged, there is a replacement fee for $10.00. 6) Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. 7) Must have a bank account in the U.S. to use Zelle.

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Call Us: 1-800-339-6573
Call Us: 1-800-339-6573
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