Enhanced Security Chip Cards – Coming Soon!

A smart way to safeguard your money.

Information programmed into the chip is personalized for your
account and each transaction is unique, adding a new safeguard against fraud.

How do chip cards work?

If a merchant is already using a chip-enabled terminal, paying is as easy as:

how to use an EMV

If a merchant isn’t using a chip-enabled terminal yet, you’ll still be able to
“swipe” your card to make your purchase, just as you do today.

At an ATM

The process is essentially the same as at a merchant. Insert your chip card into the terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card and any cash you may have withdrawn. A PIN is needed to ATM transactions.

On the Internet or on the phone

Nothing has changed for transactions made Online or by telephone, so you’ll make payments just as you do today.

**Mobile Banking Alert**

You may be hearing about the Samsung SwiftKey vulnerability in the news.  If you use a Samsung Galaxy phone, as a security best practice, we recommend that your device is configured to automatically receive the security update from Samsung once it is available. If you have questions about the security update, you should contact your carrier. We also recommend that you minimize the use of unsecure wireless networks for private information such as mobile banking until the security update is available.  You can read more here.  


Meet your new Bill Pay

We are pleased to bring you a new Bill Pay service to help make it easier, faster and more convenient for you to manage your finances.

While we are confident that the new Bill Pay will enhance your overall online banking experience, we apologize for any short-term inconvenience the upgrade may cause. Below are some key facts and resources to help make this transition as smooth as possible for you.

Quick Overview

  • The new Bill Pay provides the same functionality as the previous service with added features in an easy-to-use format.
  • Your payees, recurring automatic payments, payment history, and eBills will transfer to the new Bill Pay.
  • All payments you have scheduled will be paid as scheduled.

Still have questions? Please do not hesitate to send us an email or contact us at (207) 442-8711.

Online Demos

To see how easy it is to use our new bill pay system just click on the different demos below:


Print Bill Pay Upgrade Screen Shot Comparisons

Frequently Asked Questions

Bill Pay FAQ

Service Charges & Fees

Effective June 1st, 2015


Charge for Insufficient Funds (Check & ACH)$25.00 Per Item
Returned Check Charge $25.00 Per Item
Stop Payment $15.00
Research $20.00 Per Hour
Reconciliation$15.00 Per Hour
NOW Account Monthly Service Charge (Average Balance Below $100.00) $5.00 Per Month
Inactive NOW Accounts
(One Year)
$1.00 Per Month
Check Orders
(Account will automatically be charged for checks ordered from us)
Fee based on style of checks ordered
Overdraft Protection Transfer $3.00 Per Withdrawal
Non-customer On Us Check Cash$2.00 Per Check


Charge for Insufficient Funds (ACH)$25.00 Per Item
Lost Passbook $5.00
Inactive Savings Account
(One Year)
$1.00 Per Month
Overdraft Protection Transfer$3.00 per transfer
Early Close Out (before 90 days)$10.00


Wire Transfers Incoming $5.00 Outgoing $15.00 to $40.00 Per Item
IRA Transfer/Closeout$25.00
Treasurer Check (one free per day per withdrawal)$5.00
Money Order (one free per day per withdrawal) $2.00
Reissue Treasurer Check or Money Order $15.00
Notary Service / Signature Guarantee (For Customers) FREE
Safe Deposit Box Cost Based on Size
Safe Deposit Box Key Replacement$35.00
Safe Deposit Box Drilling Cost PlusCost determined by locksmith
Safe Deposit Box Late Charge $1.50 Per Month
Night Deposit Locked Bags1st 3 free/replacements $10.00 each
MasterMoney/ATM Card Replacement$5.00
Address Correction$5.00
Photocopies $0.25 per page
Check Cashing (Non-Customer/ Local Payroll Only) $2.00
Online BankingFREE
Online Bill Pay$4.00 per month up to 10 bills, additional .55 each.
$2.00 per month with direct deposit and debit card.
Legal Fees / Processing Levies$50.00
Cash Advance$5.00


Partial Release of Mortgage$125.00
Loan Modification$150.00 up to $100,000.00
$250.00 over $100,000.00

Debit Card Protection Service

We may be calling you……

To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S. issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent ATM or debit card use, we’ll be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

  • Our automated call will ask you to verify recent transaction activity on your card
  • You’ll be able to respond via your touchtone keypad.
  • You’ll also be provided a toll-free number to call should you have additional questions.

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.

In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identitfy any fraudulent transactions. Some additional tips on protecting yourself from debit card fraud are provided below.


1. Unless absolutely required for a legitimate business purpose, avoid giving out your:

Address and Zip code

Phone Number

Date of Birth

Social Security Number

Card or Account Number

Card Expiration Date

Your PIN is private; NEVER give it out.

2. In stores and at ATMs, always cover your card and PIN, and watch for:

Cell phone cameras, mirrors or other tools used to view cards and PINs

People watching your transactions

Cashiers takiing your card out of sight; take it to the register yourself

Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM

3. Online, you should never respond to unsolicited emails that:

Ask you to verify your card or account number; such emails are not sent by legitimate businesses

Link to websites; such sites can look legitimate but may collect your data or put spyware on your computer.

“Go Green!”

Available to all of our on-line banking users, E-statements look the same, arrive faster, and give you access to statements for up to one year.

Once you are signed into Online Banking, visit “On-Line Services” to register.

FDIC Notice – Important Disclosure


By operation of federal law, beginning January 1, 2013, funds deposited in  a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC).  Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about temporary FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov.


Report Lost or Stolen Card

Whether your debit card has been lost or stolen, please contact us immediately to ensure your funds are protected!


During Normal Banking Hours:

Call (207)442-8711 immediately

After Normal Banking Hours:

Call (800)472-3272 immediately

Traveling Outside the U.S.?

Are you planning  trip?

For Domestic Travel:  If you have a FFS Debit Card please notify us BEFORE YOU LEAVE.

For International Travel:  Your FFS Debit Card will not work outside of the US, without PRIOR notification.

Call 207-442-8711

Important Consumer Alert!

Secretary of State Matthew Dunlap Issues Important Consumer Alert for Corporate and Non-profit Entities

Another Corporate Records Service Scam

AUGUSTA – The Secretary of State’s office has received calls regarding the legitimacy of solicitations that are being mailed to numerous Maine corporations from a company named Corporate Records Service.  These solicitations urge corporations to file information and send a payment in the amount of $125.00 by July 13, 2013, in order to complete an “Annual Minutes Requirement Statement.”  This is a scam and is not being sent on behalf of the Department of the Secretary of State.

Corporate Records Service sent out a similar request in January of this year, hoping to reel in funds from unsuspecting entities by using statute citations regarding corporate records and annual meetings.  Maine corporations are not required to file corporate minutes with the Secretary of State’s office

“At first glance, this solicitation may look official; however, it is important to remember that any official notice a business receives from the Secretary of State’s office will contain the Maine state seal, the Secretary of State’s name, and contact information for the Bureau of Corporations, Elections and Commissions (CEC),” said Secretary Dunlap.

Please contact the Division of Corporations at (207) 624-7752 should you have any questions or concerns regarding these solicitations (image below).

Click here for more information regarding this scam.