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Quick Rates

Checking
NameTerm
Premier Rate 5.00% APY*
Choice Plus 0.100% APY*
Money Market 0.05% APY*
Share Certificate 0.30% APY*

ALL RATES  APPLY NOW

*APY = Annual Percentage Yield. Click "All Rates" for required disclosures.

Quick Rates

Checking
NameTerm
Premier Rate 5.00% APY*
Choice Plus 0.100% APY*
Money Market 0.05% APY*
Share Certificate 0.30% APY*

ALL RATES  APPLY NOW

*APY = Annual Percentage Yield. Click "All Rates" for required disclosures.

Home > Personal > Grow Money > Checking Accounts | Minnesota

SharePoint Checking Accounts

SharePoint offers a variety of checking accounts that can save you time and money while giving you the flexibility and control to bank anytime, anywhere.

Free Checking

Get the basics you need with Free Checking

  • No minimum balance requirement

  • No monthly fees

APPLY NOW

 

Choice Plus Checking

Enjoy the extras with Choice Plus Checking

  • Earn interest

  • Financial choice and flexibility

APPLY NOW

 

Premier Rate Checking

Earn Higher Interest with Premier Rate Checking

  • Above market interest rates

  • No minimum balance requirement

APPLY NOW

 

 

Checking Comparison
TypeFree CheckingChoice Plus CheckingPremier Rate Checking
Interest Earned -- .10% APY1 5.00 APY2 or 1.00 APY2
Dividends Paid -- Monthly Monthly
Remote Deposit Capture (RDC)3 Free Free Free
Person to Person Payments (P2P) Free Free Free
BillPay Free Free Free
Mobile and Interest Banking Free Free Free
Relationship Pricing .25 APR4 Vehicle Loan Discounts .25 APR4 Vehicle Loan Discounts .25 APR4 Vehicle Loan Discounts
First Box of Checks -- Free Free
Average Monthly Balance -- $200 minimum required --
Account Requirements eStatements7 Direct Deposit or Average Monthly Balance 10 POS5 Transactions/month
Fee if Requirements Not Met $2.00/month per paper statement $3.95/month $5.95/month
Reserve Line of Credit6

No Annual Fee

$2.00 fee per Automatic Advance

No Annual Fee

$2.00 fee per Automatic Advance

No Annual Fee

$2.00 fee per Automatic Advance

Account Alerts Free Free Free

¹APY = Annual Percentage Yield. All checking accounts are subject to approval. Rates declared quarterly. 2 Rate will adjust to competitive market rate on one year anniversary. Existing Premier Rate Checking accountholders are not eligible for introductory rate. Interest paid on balances up to $5,000 thereafter will earn the savings rate, currently .10% APY. 3Eligibility for RDC is subject to approval. Contact SharePoint for more details. 4 APR= Annual Percentage Rate. Receive a .25% discount for automatic payment from an active SharePoint Checking account. 5 POS = Point of Sale transaction. 6 The Reserve Line’s APR is variable based on an index plus a margin of 6.75%. The current index being used is the Prime Rate as published by the Wall Street Journal. 7 A fee will be charged for each paper statement mailed to the member; this fee can be avoided by signing up for eStatements. SharePoint is an equal housing lender. Federally insured by the NCUA. Rates effective 4/9/2019 and subject to change without notice.

 

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