Account Login

Online Banking

Find a Shared Branch Location

Get special offers, news and helpful information in your inbox.

Click Here
The right products for every stage of your life.

Click here to learn more.

Checking Accounts

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 Business Checking: Free business checking with maximum flexibility -- Free business checking accounts are becoming a rarity at at other financial institutions. On Point business checking is totally free checking that's totally flexible! Plus we now offer an included merchant account credit card processing account with UBC Bankcard. UBC is an industry leader in credit card processing merchant services and free POS systems. 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.

E-Check Processing -- Pay bills online and accept payments easily with the Etelcharge e-checking system. One of the oldest and largest online e-checking processors, the Etelcharge system now offers a mobile app! Process E-checks easily with an integrated api system. See this website for more details.

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.

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.