Personal Checking

Personal Checking - pexels-photo-131285-300x154

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
  • Mobile deposit
  • E-statements or Paper statements with check images
  • Non-PointBank ATM fee rebate 3
  • 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.
3 See “Customer Resources” for details.

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 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
  • Reduced rates on consumer installment loans with auto debit

* Cash back is settled one a month. See Banker for complete details.
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/

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
  • Free World Debit Mastercard 4
    – Extended warranty insurance
    – Mastercard ID Theft Protection
    – Price Protection
    and more
  • Free bank stock wallet checks
  • Free 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/

Educator, Military and First Responder Checking

A checking account for those tireless workers whose public service we cannot praise enough.

  • Minimum amount to open: $100
  • No Monthly Service Charge
  • Overdraft privilege available 1
  • FREE bank stock wallet checks
  • FREE cashier’s checks
  • FREE debit card with specialty design
See additional overdraft information at https://www.pointbank.com/personal/consumer-services/overdraft-protection/

Student Checking

For 13-17 years of age. A parent/guardian is required to be on the account.

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

At the end of the statement cycle after the minor turns 18 years of age the account will be converted to a non-student checking account. All terms for the new account will apply at the time of conversion.

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
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