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, 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.

  • 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.

*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 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!

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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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