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OPEN AN ACCOUNT

Easily Manage Your Finances Your Way

 

 

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

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.

Earn up to $200 with a new Checking Account!*

Earn $100 when you set up Direct Deposit to your new SharePoint Checking Account (ACH through employer or social security)1

Earn $50 when you open a Reserve Line of Credit with your new Checking Account2

Earn $50 when you swipe your new SharePoint Debit Card 10 times in 60 days3

 

Free Checking

Get the basics you need with no monthly fees.

 

APPLY NOW

 

Choice Plus Checking

Earn interest and enjoy financial choice and flexbility.

 

APPLY NOW

Premier Rate Checking

Earn higher interest rates with no minimum balance requirement.

 

APPLY NOW

 

 

Compare our Checking Accounts
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 Internet 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 two 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. 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. Federally insured by the NCUA. Rates effective 4/9/2019 and subject to change without notice.

 

 

 

 

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*All accounts subject to approval. Federally insured by the NCUA. Offer valid for new accounts only; restrictions apply. Member is responsible for any related taxes, according to MN laws. Cannot be combined with other offers. Accounts must be opened by 12/31/2021 and will have 60 days from account opening to meet requirements to qualify for promotional funds. Promotional funds will be distributed as requirements are met or by 3/31/2022 into SharePoint savings account. As of 10/07/2021, Annual Percentage Yield (APY) is 0.050% for Primary Savings account and subject to change. If requirements are not met, member is not eligible for promotional funds. SharePoint reserves the right to reclaim funds if account is closed within 6 months.

1Member must set up direct deposit from an employer or social security check of at least $300 per month for two verified, qualified consecutive months.

2 The Reserve Line of Credit’s (RLOC) APR is variable, based on an index plus a margin of 6.75%. The current index used is the Prime Rate as published by the Wall Street Journal.

3Member must make at least 10 Point of Sale debit card transactions with their new SharePoint debit card within 60 days of account opening.

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