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.

Enrollment in free paperless/e-statements available for all accounts. All accounts are subject to additional terms and conditions. Additional fees may apply. 

Cash Back Checking

• Minimum amount to open: $100
• Monthly service charge: $6.95
• No minimum balance requirements
• Discretionary 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 online bill pay
✓ FREE paper statements
✓ FREE World Debit Mastercard*** with premier benefits
✓ Reduced rates on consumer installment loans with auto debit

**Cash back is settled once a month. See Banker for complete details.
***Visit https://www.mastercard.us/en-us/personal/find-a-card/world-mastercard-debit.html for details about the World Debit Mastercard.

*See additional overdraft information here

Preferred Checking

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

• Minimum amount to open: $100
• Monthly service charge: $5.00 if the average daily account balance falls below $5,000
• Discretionary Overdraft Privilege available*

Additional account benefits:

✓ FREE online bill pay
✓ FREE paper statements
✓ Reduced rates on consumer installment loans with auto debit

*See additional overdraft information here

Premier Checking

• Minimum amount to open: $100
• Monthly service charge: $15 if the average daily balance for the aggregate deposit relationship falls below $25,000
• Discretionary Overdraft Privilege available*

Additional account benefits:

✓ FREE bank stock wallet checks
✓ FREE cashier’s checks
✓ FREE online bill pay
✓ FREE paper statements
✓ FREE World Debit Mastercard** with premier benefits
✓ Variable interest based on account balance
✓ Premium rates on CDs
✓ Assigned Personal Banker
✓ Reduced rates on consumer installment loans with auto debit

** Visit https://www.mastercard.us/en-us/personal/find-a-card/world-mastercard-debit.html for details about the World Debit Mastercard.

*See additional overdraft information here

Free E-Checking

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

**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 Preferred Checking. If converted, the terms and conditions for the Preferred Checking account will apply at that time. 

*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 minimum balance requirements
• Discretionary Overdraft Privilege available**
• Paper statements $2, paperless/e-statements free

*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. When converted, the terms and conditions for the non-student checking account will apply at that time. 

**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
• Paper statements $2, paperless/e-statements free