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 is why our Checking Account benefits give 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 will 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 regularly for their daily purchases. Just use your debit card at least 25 times per month and you will earn 5 cents cash back for each purchase!* The cash you earn can add up fast and will be credited back into your checking account each month!

Even if you do not 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 do not 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.

Bill Pay

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!

Pen and a check

Virtual Banking at its Best

Checking account rewards with Four Points Federal Credit Union are designed with you in mind, making sure that your money is safe and can grow. With a mindset focused on innovation, Four Points Federal Credit Union rewards checking account holders with fewer fees, no minimum balance requirements, unlimited check writing and overdraft protection.

As a virtual credit union with members in all 50 states, we learned to innovate early 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, making it easier to plan for the future. We are with you on the journey, so you can grow through life.