Whether you carry a high balance or need to keep your options open for unexpected expenses, PointBank has checking account options with all the bells and whistles – and some unique perks.

All accounts are subject to additional terms and conditions. Additional fees may apply. Fees apply for some transactions such as wire transfers. See Fee Schedule for details. 

Business Concierge

•  Minimum amount to open: $100
• Monthly service charge: $14.95 if the average daily account balance falls below $50,000 or the average daily balance for the aggregate deposit relationship under the same EIN falls below $100,000
• Advertisement on branch TVs at one location*
• $30/month add-on available to advertise on branch TVs at all 9 locations
• No minimum balance requirements
• Discretionary Overdraft Privilege available**
• No annual credit card fee for the first year

Additional account benefits:

✓ One FREE domestic wire transfer per month
✓ One FREE overdraft refund per year
✓ Two FREE ACH batches per month
✓ FREE Positive Pay (both ACH and check)
✓ FREE online bill pay
✓ FREE World Debit Mastercard*** with premier benefits
✓ FREE coin counting machine service
✓ FREE unlimited cashier’s checks
✓ FREE paper or paperless/e-statements
✓ FREE online banking
✓ FREE business debit card

*Customer must submit vector logo or artwork to marketing@pointbank.com after account opening.
**See additional overdraft information HERE
**Visit https://www.mastercard.us/en-us/personal/find-a-card/world-mastercard-debit.html for details about the World Debit Mastercard.

Business Free E-Checking

• Minimum amount to open: $100
• No monthly service charge
• 300 free* transaction items
• No minimum balance requirements
• Discretionary Overdraft Privilege available**
• Paperless/e-statements required***

Additional account benefits:

✓ FREE online banking
✓ FREE business debit card

*A fee of $0.30 will be assessed for transaction items over 300.
**See additional overdraft information HERE
*** Must opt into paperless/e-statements by the second statement cycle after opening or converting to this account type. If not opted into paperless/e-statements by the second statement cycle, the account will be converted to the Business Concierge. If converted, the terms and conditions for the Business Concierge account will apply at that time. 

Non-Profit Free E-Checking

• Minimum amount to open: $100
• No monthly service charge
• Unlimited free transaction items
• No minimum balance requirements
• Discretionary Overdraft Privilege available*
• Paperless/e-statements required**

Additional account benefits:

✓ FREE online banking
✓ FREE business debit card

*See additional overdraft information HERE
***Must opt into paperless/e-statements by the second statement cycle after opening or converting to this account type. If not opted into paperless/e-statements by the second statement cycle, the account will be converted to the Business Concierge. If converted, the terms and conditions for the Business Concierge account will apply at that time. 

Commercial Analysis Checking

• Minimum amount to open: $100
• Monthly service charge:
  – No service charge if earnings credit exceeds the activity based on your transactions
  – When activity charges exceed the earnings credit, the account will be charged the net difference
• Per check/account debit and credit fee*
• Per deposited item fee*
• No minimum balance requirements
• Discretionary Overdraft Privilege available**

Additional account benefits:

✓ FREE online banking
✓ FREE business debit card

*Additional fees may apply. See Business Product Overview. Fees are subject to change based on account activity and at Management’s discretion.
**See additional overdraft information HERE

Commercial Money Market

• Minimum amount to open: $2,500
• Monthly service charge: $10 if balance falls below $2,500
• Variable interest based on account balance
• $12 per debit transaction or withdrawal over six (6) per statement cycle*

*Fees may reduce earnings. Subject to additional terms and conditions. 

Commercial Premier Money Market

• Minimum amount to open: $50,000
• Monthly service charge: $10 if balance falls below $50,000
• Variable interest based on account balance
• $12 per debit transaction or withdrawal over six (6) per statement cycle*

*Fees may reduce earnings. Subject to additional terms and conditions.