Checking Accounts

Save time, earn cashback rewards, and make your life a little easier.
Earn dividends or cash back
Early Access to ACH Deposits
No monthly fees

Let's put cash back into your pocket.

Most Checking accounts simply hold onto your hard-earned dollars until you get around to spending them. At Four Points Federal Credit Union, we've totally flipped the script. Our two high-performance checking account options each have their own way of putting more money back in your pocket. 
Purchase Rewards Checking
It's a simple concept: We'll pay you for making debit card purchases.
Premier Checking
Sign up for a few convenient services to earn a solid dividend rate.

Early Access to ACH Deposits

With Early ACH, you can now enjoy your hard-earned money up to two days early—as long as you have a direct deposit set up with us.

  • Receive eligible direct deposit funds up to two days early.
  • No need to enroll—all you need is a Premier or Purchase Rewards checking account and a direct deposit set up.
  • Early ACH is a free benefit for all checking account holders and doesn't cost a single penny to enjoy.


Under Early ACH, Four Points may make incoming electronic direct deposits made through Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early ACH. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether funds are early depends on when Four Points FCU receives the payor’s payment instructions, limitations set on the amount of early funds, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as payroll, pension, or benefits made through ACH to your personal account.
Four Points Federal Credit Union is a full-service credit union headquartered in Omaha, Nebraska.

Auto Loans

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