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Online Checking Accounts

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.

OPEN A FREE CHECKING ACCOUNT WITH US

Our checking accounts are FREE with no minimum balance requirements and no monthly service fees because our mission 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 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.

MANAGING YOUR FINANCES CAN BE EASY WITH AN ONLINE CHECKING ACCOUNT

One of the biggest advantages to online checking accounts is the amount of accessibility it provides. The days of going to the bank and standing in the teller line are long gone. With an online checking account from Four Points Federal Credit Union, you have the ability to deposit checks, pay bills, transfer money, and check your balance online—all in the palm of your hand or from your favorite web browser!

BENEFITS OF AN ONLINE CHECKING ACCOUNT:

Fewer Fees than Traditional Banks

Compared to other financial institutions, Four Points Federal Credit Union has no monthly account maintenance fees. Plus, we require no minimum balance and low minimum deposits to open an account.

Convenient Budgeting Assistance

With convenient services such as Bill Pay, where you can schedule recurring bill payments, you can easily budget your money and stay on top of your due dates! There is no need to stress anymore about making sure your bills get paid on time. Automatic transfers also provide accessibility to allow you to save for the future and support your financial goals.

Earning Rewards is Effortless

Checking account rewards with Four Points Federal Credit Union are designed with you in mind, making sure that your money is safe and has plenty of opportunities to grow. Simply put, Four Points Federal Credit Union rewards checking account holders with fewer fees, no minimum balance requirements, unlimited check writing, and overdraft protection.

Opening an Account is Quick and Easy

Whether you enjoy speaking to a live member specialist at our branch or pulling up your favorite web browser at home, opening an account with Four Points Federal Credit Union takes only minutes which means you can start saving immediately!

  • 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 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.

*Cashback 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 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, set up a 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.

*Some restrictions may apply. Please review Current Rates & Promotions or Membership Disclosures and Truth in Savings Rate and Fee schedule for additional information.

AMPRE Rewards

Amplify your rewards! Your Four Points debit card allows you to save at thousands of local and national merchants. Rewards can be earned through in-person and online purchases, with offers coming in three varieties – national, local, and special offers.

Sign in at Ampre to view all participating retailers with over 30,000 locations nationwide!

Bill Pay

Four Points offers free to use Bill Pay services for all our checking accounts. Have confidence and peace of mind that your bills will be paid on time, with transparent and simple features to help you plan your monthly finances. Schedule recurring or one-time payments ahead of due dates and stay informed with personal account alerts. 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 has plenty of opportunities to grow. Simply put, 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 on in order to meet the evolving needs of our valued members. Because of this, we have embraced technologies like electronic signatures, EFTs, and online account opening which allows banking to remain simple and convenient for our members, no matter where they live.

Four Points FCU frees you to bank on your terms. We are with you on the journey, so you can grow through life.

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