Personal Checking

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

All PointBank checking accounts include these FREE benefits:

• Unlimited check writing 1
• MasterCard debit card
• School logo debit card available
• 24hr X-press banking
• Online Banking 2
• Mobile Banking 2
• Either E-statements or Paper statements
• Unlimited mail-in ATM fee rebates
• Notary Public services

1 Unlimited check writing doesn’t apply to the Money Market Bonus Account
2 Online and mobile banking are subject to additional terms and conditions and are subject to service provider requirements and applicable charges.

Real Free Checking

Having a checking account with PointBank means having an account that works for you!

• Minimum amount to open: $100
• No monthly service charge
• No minimum balance requirements
• Overdraft privilege available

See additional overdraft information at https://www.pointbank.com/personal/consumer-services/overdraft-protection/

Premier Plus Checking

The Premier Plus account allows you to earn interest based on your account balance rather than a variable or set rate. Premier Plus account holders also receive added benefits, including premium rates on CDs and a banker personally assigned to you.

• Minimum amount to open: $100
• Monthly service charge: $15 if the average daily balance for the aggregate deposit relationship falls below $10,000
• Overdraft privilege available

Additional account benefits:

• Assigned Personal Banker
• Variable interest based on account balance
• Premium rates on CDs
• World Debit Mastercard 4
  – Extended warranty insurance
  – Mastercard ID Theft Protection
  – Price Protection
  and more
• Unlimited bank stock wallet checks
• Unlimited cashier’s checks

Subject to additional terms and conditions. Additional fees may apply.
4 Visit https://www.mastercard.us/en-us/consumers/find-card-products/debit-cards/world.html for details about the World Debit Mastercard.

See additional overdraft information at https://www.pointbank.com/personal/consumer-services/overdraft-protection/

PointBank Cash Back Checking

• Minimum amount to open: $100
• Monthly service charge: $6.95
• No minimum balance requirements
• Overdraft privilege available

Additional account benefits:

• 5 cents CASH BACK on signature and PIN transactions with your PointBank debit card*
• FREE bank stock wallet checks
• FREE unlimited cashier’s checks
• FREE coin counting machine service
• FREE paper or e-statements
• FREE online bill pay
• FREE online banking
• FREE mobile deposit
• FREE World Debit Mastercard 4
  – Extended warranty insurance
  – Mastercard ID Theft Protection
  – Price Protection
  and more
• FREE concierge service for bill pay and account alert setup
• Non-PointBank ATM fee refund*
• Reduced rates on consumer installment loans with auto debit

* Cash back is settled one a month. See Banker for complete details.
Subject to additional terms and conditions. A surcharge may be assessed by the institution that owns the ATM. The refund is limited to ATM fees.
4 Visit https://www.mastercard.us/en-us/consumers/find-card-products/debit-cards/world.html for details about the World Debit Mastercard.

See additional overdraft information at https://www.pointbank.com/personal/consumer-services/overdraft-protection/

Student Checking

For ages 13 and above.

• Minimum amount to open: $25
• No monthly service charge
• No minimum balance requirements
• Overdraft privilege available

See additional overdraft information at https://www.pointbank.com/personal/consumer-services/overdraft-protection/

Possibility Checking

This account offers another chance at getting your finances back on track.

• Minimum amount to open: $100
• Monthly service charge: $10
• No minimum balance requirements
• Overdraft privilege not available