Free Checking + Rewards
Every product Four Points offers, whether it’s a simple checking account or an auto loan, is designed with your needs and best interests in mind.
Our checking accounts are FREE with no minimum balance requirements and no monthly service fees. Our goal is to maximize your gains, not ours. That’s why our Checking Accounts offer you the opportunity to earn cash back rewards or interest, whichever benefit and account option works best for you!
Everyone says their service is better, but at Four Points, you’ll notice right away that we mean it. We want to get to know you and make the process of opening an account, getting a loan, or managing your finances as easy and simple as possible.
- No Minimum Balance
- No Monthly Service Fees
- FREE Visa Debit Card
- FREE E-statements
- FREE First Box of Checks
- FREE Online Bill Pay
- Online & Mobile Banking
- 30,000+ Surcharge-FREE ATMs
- Unlimited Check Writing
- Overdraft Protection Available
Purchase Rewards Checking
Purchase Rewards Checking is ideal for members who use their debit card frequently for their daily purchases. Just use your debit card at least 25 times per month and you’ll earn 5 cents cash back for each purchase!* The cash you earn can add up fast and will be deposited right back into your checking account each month!
Even if you don’t qualify for rewards, the account is still free with no monthly fees or penalties.
*Cash back minimums, maximums, and other transaction rules apply. Please review Membership Disclosures and Truth in Savings Rate and Fee schedule for additional account details.
Interest Rewards Checking
Interest Rewards Checking works great for members who regularly keep a larger balance in their account and want to earn a great interest rate!* Simply enroll in e-statements, direct deposit, and use your debit card at least once a month to qualify for interest!
Even if you don’t qualify for interest, the account is still free with no monthly fees or penalties.
*Rates currently up to 1.25% APY. Some restrictions apply. Please review Membership Disclosures and Truth in Savings Rate and Fee schedule for additional account and rate details.
Four Points offers free to use Bill Pay on both of our checking accounts. Have confidence and peace of mind your bills will be paid on time with transparent features to help you plan your payments. Schedule payments ahead of time, recurring payments, and alerts to keep you informed. Just log into your account online and click the Bill Pay tab to get started!
Virtual Banking at its Best
As a virtual credit union with members in all 50 states, we learned to innovate early on to meet the needs of our members. We quickly adopted and embraced technologies like electronic signatures and online account opening to make banking simple and convenient for our members, no matter where they live.
From electronic signatures to EFTs, Four Points frees you to bank on your terms, from the comfort of your car, couch or cubicle.