Forgot Password

Sign Up/Demo for Online Banking

Home › Personal Banking › Checking and Savings

Get the Personal Checking
and Savings Options You Need

Personal Checking and Savings Accounts

After more than 100 years as a local bank, we’ve learned that no two customers have the same needs.  That's why PointBank provides a wide variety of services tailored to your specific needs and situation.

Developed specifically for members of the Denton County community, our convenient checking and flexible savings accounts will give you the options you need that fit your life now with room to grow for the future.

Check out what’s perfect for you:

Personal Checking Accounts

Complimentary Checking:

Truncated Account

• $100 minimum amount to open for standard checking; $25 minimum to open for student checking.
• No service charge
• Unlimited Check Writing … Complimentary
• Per Debit Charge …Complimentary
• Per Credit Charge …Complimentary
• Automated Transfers …Complimentary
• Monthly Statement …Complimentary
• Visa Check Card or ATM Card …Complimentary
• Online banking and bill pay …Complimentary

Premier Plus Checking:

• $100 minimum amount to open.
• Service charge of $15 per month.
• No service charge with an average balance of $10,000 or an aggregate of $10,000 in any other PointBank account(s) with the same ownership.
• Account earns interest based upon balances.

Premier Plus Account Services:

• Unlimited check writing.
• Personal Banker assigned.
• Free bank stock wallet checks.
• Visa Check Card or ATM Card.
• Free AD&D insurance of $10,000.
• Free Cashier’s Checks.
• Free Balance inquiries by X-Press Banking.
• Free Telephone transfers by X-Press Banking.
• Free 3x5 Safe Deposit Box for first year of account (where available). Not FDIC insured.
• Premium Rates on C/D’s.
• Reduced Rates on consumer installment loans with automatic debit.
  Optional (per month)
• Unlimited Bank Stock Wallet Style Checks … $2.00
• Check images returned in statement

Point 55+ Checking:

• For ages 55 and better.
• $100 minimum amount to open.
• No service charge.
• One free box of bank stock wallet style checks per year.
• Imaged checks returned in statement.
• Unlimited check writing.
• Visa Check Card or ATM Card.

Now Account:

• $1,500 minimum amount to open.
• If minimum daily balance falls below $1,500, there is a $7 service charge per month for non-imaged checks and a $9 service charge per month for imaged checks returned in statement.
• Variable interest rate.
• Unlimited Check Writing.
• Visa Check Card or ATM Card.

Money Market Bonus Account:

• $2,500 minimum amount to open.
• Service charge of $10 per month if minimum daily balance falls below $2,500.
• No more than three (3) third party checks per month.
• $12 per debit charge over six (6) per month.
• Variable interest rate.

Personal Savings Accounts

Savings Account:

• $50 minimum amount to open.
• Service charge of $5 per month if minimum balance falls below $250.
• Account free to minors.
• Variable interest rate.
• $1 per debit charge over one (1) per month.

Piggy Pal Savings:

Get your children interested in saving with our Piggy Pal savings account. Open an account and receive a piggy bank as our gift. When you bring back a full piggy bank to deposit, your child gets to pick a prize as a reward for their savings accomplishment.

• $25.00 minimum to open
• For children ages 12 and under
• Complimentary… no account fees
• Must bring child's Social Security Card
• Variable interest rate

Transaction limits apply. There is no limit on deposits you make. There is no limit on the number of withdrawals you can make at an ATM, by mail, or at PointBank. Under Federal Regulations, you are allowed six withdrawals per monthly statement cycle that are not at an ATM, by mail, or at PointBank.

Visit your nearest branch location, experience our friendly services, and open your new checking or savings account today! We make switching to our bank easy.