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
• 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 once 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 here

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 here

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 here

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 here

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