Notice: In observance of Memorial Day, all SBSI locations will be closed Monday, May 25, 2026. Normal business hours will resume Tuesday, May 26, 2026.
FDIC logo

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC logo

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Locations & Hours
Open An Account Resources Locations & Hours Contact Us

Make a Splash With 

Your First Paycheck!

SBSI is here to help you successfully manage your Aquaboggan earnings, offering direct assistance and a wealth of financial resources.

Open an Account Now

The Flow of Funds

Enroll in Direct Deposit for automatic, instant access to your money on payday. Already have an account? We can help you link it today! Valid form of ID and SSN required to enroll.

Contact Us

NOTE FOR MINORS: Those under 18 cannot enroll online and must visit one of our branch locations to set up an account.

Mobile Banking

We are proud to offer a single mobile banking app that provides you with access to both your personal accounts and your business accounts. 

Put our free1 Mobile Banking App on your phone and keep your finances right where you want them – in the palm of your hand. Pay bills, check balances, deposit checks and more.

  • All of the same features available in Online Banking (except Quicken integration)
  • Mobile Check Deposit
Google PlayApp Store (iOS)

For questions about Mobile Banking, please call our Customer Care Department at 207-284-4591 or toll-free at 1-877-722-6243, email us at sbsionline@sbsavings.com or stop into your local branch.

1The Bank does not charge a fee for this service. Please check with your wireless carrier about message and data rates that may apply. You must be enrolled in Online Banking to sign up for Mobile Banking.

Essential Checking

An everyday banking option with no monthly service charges.

  • No Monthly Service Charge
  • Free4 Greenlight App – A smart debit card for kids with parental controls, savings tools and chore tracking
  • Surcharge-free access to thousands of ATMs with the MoneyPass® network.
  • No minimum balance required
  • Free Community Debit Card – For each swipe you make6, we’ll donate to one of our local schools to help children in need.
  • Free Online Bill Pay,  Online Banking and Mobile Banking
  • Two (2) free overdraft waivers per year
Open Now

4 Saco & Biddeford Savings Institution customers are eligible for the Greenlight SELECT plan at no cost when they connect their Saco & Biddeford Savings Institution account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 11/14/2026. Offer subject to change and partner participation.

6 ATM transactions not included.

Essential Money Market

Essential Money Market is our tiered-interest savings account with no monthly fees.

  • Tiered interest rates
  • ATM/debit access with Checking Account as primary account1
  • Free Direct Deposit and Automatic Withdrawals
  • Free Online Banking
  • No minimum balance
  • No monthly service fee
  • Free Mobile Banking and Mobile Check Deposit
  • Free eStatements 
  • Free Telebanker
  • Greenlight2
As of May 20, 2026
BalanceInterest RateAPY*
$0 - $24,999.990.10%0.10%
$25,000 - $49,999.990.25%0.25%
$50,000 - $99,999.990.45%0.45%
$100,000 - $249,999.990.90%0.90%
$250,000 - $499,999.991.20%1.21%
$500,000 - $749,999.991.83%1.85%
$750,000 or more2.08%2.10%

Fees may reduce earnings on this account. Rates are subject to change after account opening.
*Annual Percentage Yield.

Open Now

1You may incur a charge if you use your card at a non-SBSI ATM.

2Saco & Biddeford Savings Institution customers are eligible for the Greenlight SELECT plan at no cost when they connect their Saco & Biddeford Savings Institution account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 11/14/2026. Offer subject to change and partner participation.

Meet your SBSI banking team

Discover Mutual Banking

Fraud & Identity Theft

AARP Scam Alert - May
Read More

Jonesy's Journey

Jonesy's Journey: Simply Tracy
Read More

Press Releases

Saco & Biddeford Savings Announces Micah Smart as Director of Legal
Read More

    Banking Options

    Our website uses cookies to improve your website experience and provide more personalized products and services to you. By using our website, you agree to the use of cookies.