Checking Accounts

Checking Accounts

Checking Accounts That Fit You

Whether it’s your first account or your looking for an interest bearing account, we have something for you. FivePoint also offers VISA Debit Cards that can be used at any ATM or wherever VISA Debit cards are accepted. All active checking accounts qualify for discounts on select loans. Plus, take advantage of FREE Home Banking, Bill Payer, Mobile Banking and SMS Text Banking.

Absolutely Free Checking Account

FREE does mean FREE! With the Absolutely Free Checking Account, you have everything you need in a checking account without all the costs. There is no minimum balance requirement; therefore, no service charge exists on this account.  No per-check fee and you have overdraft protection from your regular share (savings) account or through our Line of Credit service. Plus, get a free VISA Debit card. Check out the many affordable ways to enjoy all the features of an Absolutely Free Checking Account today.

Plus Checking Account

The Plus Checking Account puts your money to work by paying you dividends. Interest is compounded daily, paid quarterly. No service charges exist on accounts maintaining a minimum average daily balance of at least $350. If your account falls below the $350 minimum average daily balance, a $5.00 service fee applies. Checking accounts have overdraft protection from your regular share (savings) account or through our Line of Credit service. Plus, no per-check fee is charged, regardless of the number of checks you write.

50+ Checking Account

Having the 50+ Checking Account provides you with all of the services you need plus the extras without any charge to you. You must be 50+ years old to take advantage of this checking account. You will receive personalized checks, no service charge, no minimum balance is required and you have unlimited check writing. PLUS, you will receive cashier's checks and money orders at no charge. Additionally you will receive discounts on your safety deposit box. With no minimum deposit, you can receive all of these great benefits, and the 50+ Checking earns interest, too.

Rewards Checking Account

With Rewards Checking, members receive and increase on their checking account dividend rate. No service charges exist on accounts maintaining a minimum average daily balance of at least $5000. If your account falls below the $5000 minimum average daily balance, a $12.00 service fee applies.

Order Checks

Re-Order your checks online

Reconcile Your Statement

To help reconcile your statement, print the attached Reconciliation Form. This document is an Adobe Acrobat PDF file. Adobe Acrobat Reader is a free download.

*Overdraft Protection

Overdraft Protection is available from your regular share (savings) account or a Line of Credit loan. If you choose Line of Credit for Overdraft Protection for your checking account, complete the online Application for a Line of Credit loan.

* There may be related fees for services associated with these accounts.

Courtesy Pay

FivePoint understands that miscalculations and unexpected expenses happen. Courtesy Pay is activated after other overdraft protections have been exhausted. This means when you’re overdrawn up to your limit, we may cover you. The standard overdraft fee is charged for each transaction, but this benefit will save you the expense, the embarrassment and inconvenience of having a check returned to the merchant who may assess additional fees. FivePoint makes it easy! You must opt in for this service. For more information or to opt in call Member Services at 409.962.8793 or 1.800.825.8829 option #2.