Save the Date: November 8, 2018
Pallet Paint Night at O'Brien's in Waterville
November 8th is our second Pallet Night this year. The first one was so much fun, we are having another one!

Come out for this fun family event.

Get your Black Friday Shopping Started the Right Way!
We are looking for the person who wants to win half of the money we collect on our Black Friday 50/50 Raffle!

Maybe you will be the lucky winner.

We are selling our Black Friday raffle tickets through November 21st. We will draw the winner on November 21st, as well.
NDFCU Annual Harvest Fest
Looking to start your Christmas shopping?

Visit our Waterville and Skowhegan branches for our annual Harvest Fest on November 1st & 2nd.

We will have crafts, baked goods, and more. New this year, we have two unfinished Adirondack Chairs, donated by Jeff West of Black Dogs Woodworks, for sale.

All proceeds will go to our Ending Hunger Campaign and Special Olympics Maine.
Save yourself some time with this easy alternative to cooking!
November 21 — Pie Sale!!
With all of the cooking you do to prepare Thanksgiving Dinner for your family, do yourself a favor and pick up your pies on November 21st while we hold our Annual Pie Sale!

All proceeds go to our Ending Hunger Campaign and Special Olympics Maine!
Make Your Money Work For You!
Christmas Shopping Anyone?
Starting November 5th 2018, we will start selling our $500 Visa Raffle tickets. The drawing will take place on December 14th....Just in time to finish up your Christmas shopping.
Okay! This has nothing to do with the holidays...
but still important info you need to know!
Annual Notice Regarding Non-Visa® PINLess Debit Card Transactions
We allow non-Visa debit transaction processing. This means you may use your Visa Check Card on a PIN-Debit Network* (a non-Visa network) without using a PIN to authenticate your transactions. The non-Visa debit networks for which such transactions are allowed are NYCE® and ACCEL.® Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa Check Card include signing a receipt, providing a debit card number over the phone or via the Internet, or swiping the debit card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through the use of a PIN. Please be advised that the terms and conditions of your agreement with us relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network.

If you have any questions about non-Visa debit transactions, please give us a call at (207) 872-2771.

*Visa rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN), but that is not generally known for having a card program.
61 Grove St. Waterville • 72 Cony St. Augusta
316 Benton Ave., Winslow • 245 Madison Ave., Skowhegan • (800) 326-6190