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Coming Soon! New Card Design

Please Note: Due to our Visa Credit Card Program Conversion taking place on November 10th – 13th, new credit card applications are being accepted and processed, however your new Visa card will not be mailed or available for use until after November 13th. If you have any questions regarding applying for a Visa, or if we can assist you with an alternate loan product between now and November 13th, please contact us for assistance. 

Rewards with every swipe

Whether you’re in Mid Coast Maine, or away, there are points to be earned!

3x Points for buying local

From restaurants to jewelry, buying local helps our community thrive! PERKS Visa® cardholders receive triple points (3x) when using their card at local participating merchants.

2x Points for everyday

Getting gas to head up to camp, or buying groceries at college, PERKS Visa® cardholders receive double points (2x) for using their card to purchase gasoline, groceries, and to pay recurring bills.

1x Points for everything else

PERKS Visa® cardholders continue to earn single points (1x) for every dollar spent using the card that doesn’t qualify for double or triple points.

Choose your rewards

Get more when you swipe and when you redeem! Points can be redeemed for merchandise, travel services, gift cards, and even CASH.

Enhanced security

PERKS Visa® cardholders can take advantage of enhanced security for online purchases with Visa® Secure Remote Commerce

Mobile wallet compatible

Make contactless purchases with your smartphone. The PERKS Visa® credit card is Apple Pay®, Google Pay™, and Samsung Pay™ compatible.

Local Rewards Card

Coming Soon! New Card Design

We are pleased to announce an upgrade to our credit card program taking place on November 13, 2023. This upgrade includes a new look, enhanced security features, seamless integration with your Midcoast account, and other program enhancements.

Rewarding you and local businesses, too

There is no cost to a local business wishing to be a part of the 321 Local Rewards Program. The business is required to accept Visa® credit cards as a form of payment. If you frequent a business that you would like to receive 3x rewards at, encourage them to join!

PERKS Visa® Features

Get rewarded for supporting your local economy with our PERKS Visa® Credit Card! 
Earn TRIPLE points when shopping at local participating businesses, DOUBLE points when buying gas, groceries, and recurring transactions, and SINGLE points on all other purchases.  

  • Variable interest rate
  • 25 day grace period on purchases
  • ID protection with Norton Lifelock
  • Earn 1-3 PERKS Reward points for every $1.00 you spend
Perks - Rewards for shopping local

Visa® Secure Remote Commerce

Shopping online is fun, but can become a hassle when it’s time to pay. Visa® Secure Remote Commerce is a digital payment service that makes online payment just as easy as shopping online. You can use it anywhere Visa® Click to Pay is accepted. On the go? Visa® Click to Pay is available on your tablet, smartphone, or home computer.

  • Simple – Add any major card to enroll. Then pay with Visa® Secure Remote Commerce.
  • Fast – Skip typing in your card and shipping information every time.
  • Secure – Shop worry-free. Your information is stored behind multiple layers of security.

We invite you to transfer your high-interest balances!

Consolidate your debts from high-interest cards into one payment with your PERKS card. There’s no balance transfer fee!

Need a boost to your credit limit?

If you’re looking to improve your credit utilization ratio, or you’re considering a big purchase, a credit limit increase may be beneficial.

digital banking

With Midcoast, you’re always connected

Interact with us and manage your accounts in all the ways that work best for you. Our Digital Banking platform has the same look, feel, and functionality across all of your devices: computer, tablet, and mobile device.

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