Notice: Some SBSI customers are receiving a phone call from someone asking for their account information. We believe this may be a phishing scam – if you receive this call, just hang up. If you have any concerns, please call our Customer Care team at (207) 284-4591 right away to secure your accounts and prevent unauthorized transactions.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Checking
Secure, rewarding and built for your goals. Looking for accounts packed with perks? Try our Mutual Checking Suite.
Mutual Checking Account
A Mutual Checking account is designed to reward your ongoing relationship with the bank. Enjoy perks like overdraft protection, a Community Debit Card, and other features that make managing your money easier. Get flexibility, convenience, and benefits without the hassle of minimum balance requirements.
Family Aura Protection8
Aura’s comprehensive digital security app safeguards your entire household providing real-time fraud alerts, protecting you from scams and identity theft, and blocking unwanted spam calls and texts. It is a modern way to keep your family safe online, backed by up to $5 million in identity theft insurance.3
Full Family Peace of Mind
With these powerful tools combined, you get a banking relationship that supports your finances and shields your family. More peace, less worry.
3 The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. No one can prevent all identity theft or monitor all transactions effectively. Aura services are not available for accounts held by trusts, estates, or fiduciary accounts.
8 Aura services are not available for accounts held by trusts, estates, or fiduciary accounts.
Compare Accounts
| Essentials Checking | Mutual Checking | Mutual Interest Checking | |
|---|---|---|---|
| Ideal for: | Everyday banking with no monthly service charges. | Loyal customers who value bundled banking benefits. | Savers who maintain higher balances and want perks. |
| AURA8 |  |  | |
| Greenlight | | | |
| Exclusive Pricing on Products | | | |
| Community Debit Card | | | |
| Pays Interest | | | |
| Free ATM Network | | | |
| Free Online & Mobile Banking | | | |
| Free Overdraft Fees | 2 Free Per Year | 2 Free Per Year | 2 Free Per Year |
| Free Automatic Overdraft Transfer1 | | | |
| Monthly Service Charge | | $5.00 | $10.002 |
| Minimum Daily Balance | | | $2,500 |
| Other Benefits | Free order of checks yearly |
1An automatic transfer to a relationship checking account from an eligible linked savings account to cover overdrafts. To enroll, call Customer Care at (207) 284-4591 or visit your local branch. Other terms and conditions may apply.
2Avoid monthly service charge with minimum daily balance.
8Aura services are not available for accounts held by trusts, estates, or fiduciary accounts.
Essential Checking
An everyday banking option with no monthly service charges.
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.
Mutual Checking
Mutual Checking is designed to give you more perks, more protection and more possibilities.
3 The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. No one can prevent all identity theft or monitor all transactions effectively. Aura services are not available for accounts held by trusts, estates, or fiduciary accounts.
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.
5 An automatic transfer to a relationship checking account from an eligible linked savings account to cover overdrafts. To enroll, call Customer Care at (207) 284-4591 or visit your local branch. Other terms and conditions may apply.
8Aura services are not available for accounts held by trusts, estates, or fiduciary accounts.
Mutual Interest Checking
Unlock the benefits of your Mutual Banking Bundle with one of our Mutual Interest Checking accounts. You'll get access to exclusive perks and benefits that go beyond everyday banking.
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 - $2,499.99 | 0.05% | 0.05% |
| $2,500 - $24,999.99 | 0.10% | 0.10% |
| $25,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000.00 - $249,999.99 | 0.20% | 0.20% |
| $250,000 or more | 0.25% | 0.25% |
Fees may reduce earnings on this account. Rates are subject to change after account opening.
*Annual Percentage Yield.
3 The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company. Please refer to the actual policies for terms, conditions, and exclusions of coverage. No one can prevent all identity theft or monitor all transactions effectively. Aura services are not available for accounts held by trusts, estates, or fiduciary accounts.
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.
5 An automatic transfer to a relationship checking account from an eligible linked savings account to cover overdrafts. To enroll, call Customer Care at (207) 284-4591 or visit your local branch. Other terms and conditions may apply.
8Aura services are not available for accounts held by trusts, estates, or fiduciary accounts.
Seasonal Checking
A limited term checking account available to those working in the area for the summer.
7 You may incur a charge if you use your card at a non-SBSI ATM.
Meet your SBSI banking team
Find more of what you’re looking for.
Aura
Enjoy the all-in-one, proactive digital safety tool that keeps you and your family safe from online threats.
Greenlight
Help your kids learn about financial responsibility through hands-on experience at no cost.
Community Debit Card
Support your community just by using your SBSI Community Debit Card.
ATM Network
Enjoy surcharge-free access to thousands of ATMs with the MoneyPass® network.