Checking

Get checking that’s totally free, totally convenient. At FocalPoint, we make checking as flexible as possible for you. And we make it free!

• Free Checking—no minimum balance, monthly service fees or per-check charges
• Visa Debit/ATM Card—included with your checking account, it’s faster and easier than writing a check. Use it at ATMs and get cash back with purchases at many stores.
• No Surcharge ATM Network—we’ve teamed up with Sharenet and AllPoint to offer you access to thousands of automated teller machines throughout Central New York and nationwide, with no surcharges.
• Overdraft Protection—this optional service can help you avoid the hassles, embarrassment and possible fees caused by returned checks. It’s a line of credit linked directly to your checking account. Should your account become overdrawn, the Overdraft Line of Credit covers it. And you only pay interest on the amount borrowed.
• Courtesy Pay—get extra protection against up to $500 of overdrafts! Contact us for details and restrictions.

Get totally free checking now. Visit your FocalPoint branch.