Simple Promise Checking

A FREE checking account. No monthly maintenance fee, whatever your balance. We cover all your basic banking needs and more. Write checks, bank online, or access your account anytime, anywhere with our free mobile app. Simply bank your way—without a minimum balance.

• No monthly service fee whatever your balance
• Free mobile banking with mobile check deposit
• Free online banking with bill pay
• Free eStatements or $5 monthly paper statement fee
• Free ATMs at over 200 Maine Cash Access® locations
• Complimentary paper statement for those age 62 or better
• Free VISA® debit card
• $25.00 minimum deposit to open

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Promise Rewards Checking

Get rewarded for your everyday banking. Make money when you spend money — get cash-back on every debit card transaction and direct deposit and enjoy the convenient features listed below.

• 10¢ cash-back rewards on debit card purchases and direct deposits²
• $10 in monthly ATM surcharge rebates³
• Free ATMs at over 200 Maine Cash Access® locations
• Free mobile banking with mobile  check deposit
• Free online banking with bill pay
• Free eStatements or $5 monthly paper statement fee
• Free issuance of Treasurer’s Checks  and Money Orders
• Free VISA® debit card
• $100 credit toward residential mortgage closing costs at Camden National Bank.⁴
• Low minimum average monthly balance requirement of $100 or more in your account; OR keep a balance of at least $2,500 or more in any combination of qualifying deposit and certificate of deposit balances, each statement period, to waive the $5 monthly service fee. ⁵
• $25.00 minimum deposit to open

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Promise Premier Checking

Our premier account rewards you with more cash back. More interest. More discounts and benefits. It is our way of saying “thank you” for your relationship with us.

• 15¢ cash-back rewards on debit card purchases and direct deposits⁶
• Earn interest on collected balances  over $2,500
• Free ATMs worldwide⁷
• Free mobile banking with mobile check deposit
• Free online banking with bill pay
• Free eStatements, no paper statement fee
• Free standard checks 
• Free automated transfers to cover overdrafts
• Free issuance of Treasurer’s Checks  and Money Orders
• Premium CD rates⁸
• Discount on consumer loans of up to 0.25%⁹
• $250 credit toward residential mortgage closing costs at Camden National Bank⁹
• $20 Monthly Service Fee or $0¹⁰
• $25.00 minimum deposit to open

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MOBILE BANKING Disclosure
Camden National Bank does not charge you a fee for using this service.  However, charges from your wireless carrier may apply.   

SIMPLE PROMISE Checking Account Disclosure 
1. Required to enroll in eStatements within the first 30 days of account opening or account conversion. If eStatements are discontinued then a $5 monthly paper statement fee will apply.

*PROMISE REWARDS Checking Account Disclosure
2. To be eligible for rewards you must sign up for eStatements and have direct  deposits of $500 or more, of your payroll, pension or government benefits,  such as Social Security. At the end of each statement cycle you will be paid  a $.10 cash-back reward for every qualifying debit card purchase and direct  deposit that posts and clears your account. Cash-Back Rewards limited to  $30 per statement cycle. If your statement cycle falls on a weekend or a  holiday, it will end on the previous business day. All rewards are reported to  the IRS as interest income. Account must be maintained in good standing  to earn rewards. 

3. ATM Rebates: $10 in monthly rebates when using a non-Camden National Bank ATM in the United States. Accept the disclosed fee and we will refund  the surcharge the next business day.   

4. Offer cannot be combined with any other Camden National Bank residential loan offering. Loan products listed are available to qualified applicants who  meet the Bank’s current loan underwriting guidelines. Offer not applicable  to MSHA, FHA, VA, and RHS residential mortgages. The residential discount  is limited to one per calendar year. Other terms may apply. The rules and  regulations that cover residential loan products are not contained in  disclosure. To obtain additional information related to these loan products  please contact a branch representative. 

5. Monthly Service Fee: Promise Rewards checking has no Monthly Service Fee when you do at least one of the following each statement period: Option   #1: Keep a minimum average balance of $100 or more in your account; OR,  Option #2: Keep a balance of at least $2,500 or more in any combination of   qualifying deposit and certificate of deposit balances. Otherwise a $5 Monthly  Service Fee will apply. 

PROMISE PREMIER Checking Account Disclosure
6. To be eligible for rewards you must sign up for e-Statements. At the end  of each statement cycle you will be paid a $.15 cash-back reward for every  qualifying debit card purchase and direct deposit that posts and clears your  account. Cash-Back Rewards limited to $50 per statement cycle. If your  statement cycle falls on a weekend or a holiday, it will end on the previous  business day. Account must be maintained in good standing to earn rewards.  All rewards are reported to the IRS as interest income.

7. Unlimited rebates when using a non-Camden National Bank ATM in the U.S. per withdrawal. Accept the disclosed fee and we will refund the surcharge the  next business day. For ATM transactions outside the U.S., Puerto Rico or the  U.S. Virgin Islands, we will refund ATM surcharge fees if you bring us your ATM  receipt showing the surcharge within 90 calendar days of the transaction. 

8. If you tell us you no longer want the Promise Premier Rewards Checking and you have a CD with a preferred interest rate, the rate will continue until the  maturity date, but at renewal, the Bank’s regular interest rate will apply. 

9. Offer cannot be combined with any other Camden National Bank residential or consumer loan offering. Loan products listed are available to qualified  applicants who meet the Bank’s current loan underwriting guidelines. Offer  not applicable to MSHA, FHA, VA, and RHS residential mortgages. The $250  closing cost and consumer loan rate discount are limited to one per calendar  year. The consumer loan rate discount applies to non-real estate secured  consumer loans only and is subject to change from time to time. Other terms  may apply. Any loan rate discount you obtain while eligible will continue  until the balance of your loan is paid off. The rules and regulations that cover  residential mortgage and consumer loan products are not contained in this  disclosure. To obtain additional information related to these loan products  please contact a branch representative. 

10. Monthly Service Fee: Promise Premier Checking has no Monthly Service Fee when you do at least one of the following each statement period: Option #1:  Keep a minimum average balance of $2,500 or more in your account; OR,  Option #2: Keep a balance of $25,000 in total deposit balances OR, Option  #3: Consumer and residential mortgage loan balances of $150,000 or more (includes CNB serviced residential mortgage loans only).  Otherwise a $20 Monthly Service Fee will apply.