SharePoint Checking Accounts
Managing and spending your money is easy with SharePoint. Choose from three great accounts, designed to help you easily manage your finances, access your cash, spend freely, pay bills and make purchases.
Free Checking
Choice Plus Checking
Premier Rate Checking
| Compare our Checking Accounts | |||
| 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 Internet Banking | Free | Free | Free |
| Relationship Pricing | .25 APR* Vehicle Loan Discounts | .25 APR* Vehicle Loan Discounts | .25 APR* Vehicle Loan Discounts |
| First Box of Checks | -- | Free | Free |
| Average Monthly Balance | -- | $200 minimum required | -- |
| Account Requirements | eStatements^^ | Direct Deposit or Average Monthly Balance | 10 POS** Transactions/month |
| Fee if Requirements Not Met | $2.00/month per paper statement | $3.95/month | $5.95/month |
| Reserve Line of Credit^ | 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 monthly. ²Rate will adjust to competitive market rate on one year anniversary. Existing Premier Rate Checking accountholders are not elilgible for introductory rate. Interest paid on balances up to $5,000, balances over $5,000 will earn the current savings rate. ³Eligibility for RDC is subject to approval. Contact SharePoint for more details. *APR= Annual Percentage Rate. Receive a .25% discount for automatic payment from an active SharePoint Checking account. **POS =Point of Sale transaction. ^The Reserve Line's APR is variable based on an index plus a margin of 6.75%. The current index is being used is the Prime Rate as published by the Wall Street Journal. ^^A fee will be charged for each paper statement 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 7/15/2022 and subject to change without notice.
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