Savings Bank of Maine’s Online Banking gives you immediate access to your account information 24 hours a day, 7 days a week, from the convenience of your home or office. It’s simple and it’s free to our customers.

For additional information about Online Banking, contact us, or call us at 582-5550 (1-888-424-4184, if Gardiner is a toll call) or stop by one of our branch locations.

Use Online Banking to:

• Obtain information on your checking, savings, CD ’s, loan and safe deposit accounts
• Obtain information on your *repurchase agreements
• Transfer funds electronically between your checking and savings accounts
• Transfer funds electronically from your checking or savings account to make a payment on your loan
• Transfer funds electronically between lines of credit and checking accounts
• Obtain statement information on all deposit/loan accounts and repurchase agreements
• Obtain images (front and back) of your cancelled checks
• Place a stop payment request on a check that you wrote
• Download account and repurchase agreement information into your money management software
• Set up your own personal messages to alert you when balances go below a certain level, when certain checks clear, notify you of incoming ACH entries and give yourself personal reminders.

*Repurchase Agreements are not deposits and therefore are not federally insured by the U.S. Government, the FDIC, the Federal Reserve Board, or any other Government Agency. Savings Bank of Maine does secure funds placed into Repurchase Agreements with the Bank's own securities portfolio which is segregated (externally and internally) specifically for Repurchase Agreement customers.

Use Online Banking Bill Payer* to:

• Eliminate the time you now spend writing out and mailing checks
• Access your checking account to pay most bills, even to individuals
• Pay bills electronically, (where accepted) getting to their destination faster
• Make payments from home or away from home
• Establish recurring payments, up to years in the future
• Pay several bills at once using our quick payment option

* There is a monthly fee for this service of $1.25 plus $.45 per payment.

Use Online Banking Cash Management for all the features of regular Online Banking plus the additional services of:

• Multi-User Set Up- Set up multiple users within your organization with restricted or full access to Cash Management functions and accounts. Each user can be set up according to your specifications allowing them to access only what is authorized by you.



• Wire Transfers*- Initiate domestic wire transfers online.



• ACH (Automated Clearing House) Origination*- Maintain and initiate ACH files online, both credit and debit, to accommodate such functions as:


Direct Deposit of Payroll- Credit your employees' accounts for direct deposit of payroll.

Process State and Federal Tax Payments- Allows your business to pay your State and Federal tax payments electronically.

Transfer of Funds- Transfer funds between your corporate accounts at multiple financial institutions.

Savings Bank of Maine’s ACH services also allows many other electronic transactions, such as: collecting donations, accepting monthly dues or payments, submitting vendor payments and much more. For more information, please contact our Electronic Services Department at 582-5550 (1-888-424-4184, if Gardiner is a toll call) Option 7.

* Subject to approval and additional fees apply.

To apply for Online Banking, simply read the Online Banking Agreement and then fill out the Online Banking Application, sign and return it to any branch location or mail it to:

Savings Bank of Maine
Attn: Electronic Services
P.O. Box 190
Gardiner, Maine 04345