Checking

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.

*Please review Membership Disclosures and Truth in Savings Rate and Fee schedule for additional account details and current rates.

Bill Pay

Four Points offers free to use Bill Pay on both of our checking accounts. Bill Pay allows you to pay bills and transfer funds in between bank accounts. Want to learn more about our easy to use Bill Pay service? Check out our demo video or call us for more information.

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.