Checking

FocalPoint offers three different checking accounts. So whatever your checking needs, we've got an account to suit you.

ePoint Checking: Totally green, totally convenient -- If you like to do most of your banking online, ePoint is ideal for you. It's free, convenient checking that's totally green and totally online--paperless E-statements, Online Bill Pay, Direct Deposit and more, including access to Ready Cash, an overdraft line of credit of $1000 or more that you pay back over time*.

PremiumPoint Checking: Money Market interest rates on balances -- This account pays you interest on your checking account! The dividends are based on our Money Market Account rates. And just like our Money Market Accounts, it offers tiered rates. So the higher your balance, the more you earn.

OnPoint Checking: Free checking with maximum flexibility -- Free checking accounts are becoming a rarity at other financial institutions. On Point checking is totally free checking that's totally flexible! There's no minimum balance for this account and no monthly service fees. And you can choose the convenience options you want to use.

All FocalPoint Checking Accounts come with these extras:

Visa ATM/Debit Card -- faster and easier than writing a check in stores, it gives you access to cash at ATMs and point of purchase.

No Surcharge Credit Card Proceessing Network -- use thousands of credit card machine terminals throughout central New York and nationwide, with no surcharges or extra merchant service fees through Crescent Credit Card Processing and AllPoint.

Overdraft Protection -- this optional service can help you avoid the hassles, embarrassment and possible fees caused by returned checks.

Courtesy Pay -- an extra layer of optional protection against overdrafts, up to $500*. Click here to download the opt-in form.

Choose the checking that's right for you! Visit your FocalPoint branch to open an account.

*Eligibility for Ready Cash and Courtesy Pay is based on member's creditworthiness. Not all members will qualify.