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Eligibility

This application is for a totally new account. If you're already a member and would like to add a Checking Account to your existing account, please visit a branch or contact us at (800) 834-0432 or through Video Banking.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. Before we continue, here's a reminder of what you'll need to open an account:

Your valid Photo ID (Driver's License, State ID, Passport, Military ID or Alien Registration Card),

Your Social Security Number,

$25.00 to fund your new Savings Account, and

If you can select one of the Eligibility options below, then you're set to become a member of Atlantic Federal Credit Union!

Select your eligibility

I live, work, worship or go to school in Androscoggin, Cumberland, Sagadahoc or York county (Maine).

I am related to someone that is an EXISTING MEMBER of Atlantic Federal Credit Union.

The name of my family member is:

I am an EXISTING MEMBER of Atlantic Federal Credit Union.

My current Member Number is:

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Required Products

Select the following products required for membership

Select one of the following products

Member Savings

Member Savings entitles you to all the benefits of basic membership by providing a convenient, affordable, easy way to manage your money.

APY: 0.05%

Available Products

Bundles Savings Checking

Kasasa Cash Back

Kasasa Cash Back is a free checking account that pays 2.50% cash back on Debit Card purchases** with no minimum balance, no monthly fees, free Online Banking and nationwide ATM fee refunds!

APY: 0.00%

Kasasa Cash

Kasasa Cash is a free checking account that pays high interest** in cash every month with no minimum balance, no monthly fees, free online banking and nationwide ATM fee refunds.

APY: 5.00%

Money Market Checking

Member Checking

Member Checking entitles you to all the benefits of basic membership by providing a convenient, affordable, easy way to manage your money. Benefits include no maintenance, minimum balance or per-check fees and unlimited check writing.

APY: 0.00%

Money Market Savings

Maximize returns while minimizing effort. With our money market account, your balance does the heavy lifting. Have it all, all in one place — earning potential and flexibility!

Minimum Opening Deposit: $1,000.00

Dividend Calculation Method: Average Daily Balance**

Available Rates

Balance in Money Market Savings	Rate	APY
$2,500.00 to $4,999.99	0.25%	0.25%
$5,000.00 to $9,999.99	0.25%	0.25%
$10,000.00 to $49,999.99	0.25%	0.25%
$50,000.00 to $99,999.99	0.25%	0.25%
$100,000.00 to $249,999.99	0.30%	0.30%
$250,000.00 to $499,999.99	0.40%	0.40%
$500,000.00 or greater	0.50%	0.50%

All Purpose Club

An All Purpose Club is a "second savings" that is ideal for any planned savings like taxes, household expenses or that special item you've got to have.

APY: 0.05%

Holiday Club

We know saving money isn’t always easy — even if you have a specific goal in mind, so we decided to give you a helping hand. A Holiday Club is a "second savings" opened under your account that is ideal for planned holiday savings! The Holiday Club matures on October 10th of every year and the funds can be automatically transferred into another Atlantic FCU account.

APY: 0.05%

Vacation Club

A Vacation Club is a "second savings" opened under your account that is a convenient way to save for your vacation! The Vacation Club matures on April 1st of every year and the funds can be automatically transferred into another Atlantic FCU account.

APY: 0.05%

Kasasa Cash + Kasasa Saver

Make even more of your money by linking Kasasa Cash to free Kasasa Saver. Life gets even more rewarding with Kasasa Cash checking, a free checking account pays you for doing things you probably already do. Plus, you'll get ATM withdrawal fee refunds all across the country!**

Included Products

Kasasa Cash+

Kasasa Cash is a free checking account that pays high interest** in cash every month with no minimum balance, no monthly fees, free online banking and nationwide ATM fee refunds.

APY: 5.00%

Kasasa Saver

Kasasa Saver is a free, high interest saver account linked to a Kasasa Cash checking account that earns massive interest and puts savings on autopilot.

APY: 3.50%

APY (Annual Percentage Yield)

Please answer the following question(s)

How did you hear about us?*

Will there be a Joint Owner on this new account?*

Will everyone on this new account intend for the money remaining upon their death to be owned by the surviving owner or owners?

If you answer "No" we will not be able to open an account as we do not offer Joint Accounts without Survivorship Rights.*

What word or phrase would you like to use as a Verbal Password when calling into the Credit Union? (1)

A Verbal Password is spoken over the phone to verify your identity. When you call us, we will ask you questions that are intentionally difficult for identity thieves and scammers to answer, but relatively easy for you – and your Verbal Password will be one of them.

Who was your first employer? (4)

As an alternative to a Verbal Password, we can ask you for your your first employer to verify your identity when you call us.

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Description

Details

Select feature(s)

Additional feature(s)

Add Account Remove Account Save Account OK

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Choose your rate

Specify the amount to deposit

Choose your term

Placeholder text

Maturity Date

Thank you for considering us for your financial services needs. We are sorry that we cannot continue with your application for the following reasons:

Return to Application Cancel Application

Application Cancelled

We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.

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Funding

How much do you want to deposit?

Total Deposit

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Done

There was a problem with your request

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Done

Insufficient Balance

This account does not have sufficient balance to cover the total required deposit.

Please select another account.

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

Continue

Verify account manually instead

By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Continue Or Go Back

Tell Us About Yourself

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of Atlantic Regional Federal Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Upload Documents

IDIcon Photo ID: Front Image Requirement

If you've used your Driver's License, State ID, Passport or Alien Registration Card on this application, please upload or take a picture of THE FRONT of it, showing your face.

If you've used your Military ID or are a senior citizen without valid Photo ID, no further action is required.

Please note that access to some services may be restricted if a valid Photo ID is required and not provided to the Credit Union. See Consumer Membership Account Agreement and Disclosures for more information.

Click or tap here to capture or upload an image or document.

Additional Information

Are you a FOREIGN politician, related to a FOREIGN politician, a friend/associate of a FOREIGN politician or do you work for a FOREIGN entity?*

Select all that apply:*

I am a FOREIGN politician.I am related to a FOREIGN politician.I am a friend/associate of a FOREIGN politician.I work for a FOREIGN entity.

For tax-reporting purposes, what is your Citizenship status?*

Have you been told by the Internal Revenue Service (IRS) that you are subject to Backup Withholding?To note, the IRS will inform you in writing if you become subject to backup withholding; they take this action when you 1.) have not provided your correct taxpayer identification number to a financial institution, or 2.) have failed to report income from interest, dividends or patronage dividends.*

Do you derive any revenue or income from marijuana or marijuana related businesses (MRBs), including hemp or CBD?*

How do you derive revenue or income from MRBs?*

Will this account be used for your MRB in any capacity including but not limited to managing cash flow, aggregating sales, issuing payroll, etc.?*

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

Continue Or Go Back

Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Additional Information

Are you a FOREIGN politician, related to a FOREIGN politician, a friend/associate of a FOREIGN politician or do you work for a FOREIGN entity?*

Select all that apply:*

I am a FOREIGN politician.I am related to a FOREIGN politician.I am a friend/associate of a FOREIGN politician.I work for a FOREIGN entity.

For tax-reporting purposes, what is your Citizenship status?*

Do you derive any revenue or income from marijuana or marijuana related businesses (MRBs), including hemp or CBD?*

How do you derive revenue or income from MRBs?*

Will this account be used for your MRB in any capacity including but not limited to managing cash flow, aggregating sales, issuing payroll, etc.?*

Continue Or Go Back

About Your Joint Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of Atlantic Regional Federal Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Available Rates

Overdraw Transfer

Overdraft Protection

Card Overdraft

Overdraw Transfer

Overdraft Protection

Card Overdraft

Overdraw Transfer

Overdraft Protection

Card Overdraft

Overdraw Transfer

Overdraw Transfer

Overdraft Protection

Card Overdraft

Fund via Internal Transfer

Fund via Credit Card

Alert Popup

Transfer from another financial institution

If you've used your Driver's License, State ID, Passport or Alien Registration Card on this application, please upload or take a picture of THE FRONT of it, showing your face.

If you've used your Military ID or are a senior citizen without valid Photo ID, no further action is required.

Please note that access to some services may be restricted if a valid Photo ID is required and not provided to the Credit Union. See Consumer Membership Account Agreement and Disclosures for more information.

Co-Driver's License Scan

Driver's License Scan

New Membership

Available Rates

Overdraw Transfer

Overdraft Protection

Card Overdraft

Overdraw Transfer

Overdraft Protection

Card Overdraft

Overdraw Transfer

Overdraft Protection

Card Overdraft

Overdraw Transfer

Overdraw Transfer

Overdraft Protection

Card Overdraft

Application Cancelled

Funding

Fund via Internal Transfer

Fund via Credit Card

Alert Popup

Transfer from another financial institution

'Doing Business As' Information

Tell Us About Yourself

If you've used your Driver's License, State ID, Passport or Alien Registration Card on this application, please upload or take a picture of THE FRONT of it, showing your face.

If you've used your Military ID or are a senior citizen without valid Photo ID, no further action is required.

Please note that access to some services may be restricted if a valid Photo ID is required and not provided to the Credit Union. See Consumer Membership Account Agreement and Disclosures for more information.

Co-Driver's License Scan

Driver's License Scan

Minor Applicant Information

Joint Applicant Information