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 manage your finances anytime, anywhere.
Free Checking
Choice Plus Checking
Premier Rate Checking
Earn Higher Interest with Premier Rate Checking
-
Above market interest rates
- No minimum balance requirement
| Checking Comparison | |||
| Type | Free Checking | Choice Plus Checking | Premier 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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*SharePoint members must be 18 years or older. Debit card transactions must post to the account by June 30, 2021. Can enter without debit card purchases. Estimated odds of winning a prize depend upon the total number of eligible entries received each day during the Promotional Period. Promotion Period begins on 5/15/2021 and ends on 6/30/2021. For full Giveaway rules and details, visit www.sharepointcu.com/500giveaway
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