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Northpointe Bank Checking Account

in Checking Accounts

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Northpointe Bank Checking Account

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in Checking Accounts

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Overview

Where does Northpointe Bank Checking Account do business?

Northpointe Bank Checking Account is based in Grand Rapids, MI. It was founded in 1999 and offers checking accounts services in 50 states (and Washington, DC).

Northpointe Bank Checking Account is a member of the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor if a member institution fails.

What APY does Northpointe Bank offer?

Northpointe Bank Checking Account offers an interest-bearing account with an APY (annual percentage yield) starting at %.

The APY of an account is the annual rate of return taking into account compounding interest and assuming your money remains in the account for a full year. Northpointe Bank Checking Account does not charge a monthly maintenance fee. So you don't have to worry about fees from eroding your interest earnings.

What features and perks does Northpointe Bank Checking Account offer?

This account includes the following features.

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks. Typically there is a limit to how much you can claim for these costs, so check the fine print if you plan to make multiple withdrawals within one month.

  • Free Bill Pay - Bill Pay allows you to receive ebills directly to your account and pay bills easily from your account.

  • Mobile Banking - Northpointe Bank Checking Account allows you to manage your money on the go without ever having to step in a brick-and-mortar bank. This includes depositing checks in your account with your smartphone.

  • Nationwide ATM network - Never get caught out by a hipster cash-only business again.

  • Savings account - Northpointe Bank Checking Account allows you link your checking account to a savings account. Connecting your checking account to a savings account reduces friction and makes it easier to put aside money toward savings on a regular basis.

What fees does Northpointe Bank Checking Account charge?

Here is a list of the potential fees attached to this account:

First the good news. This account does not charge a monthly maintenance fee.

  • International bank transfers come with a $60 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
  • Northpointe Bank Checking Account charges a $10 fee for an early account closure. Contact Northpointe Bank Checking Account for more details on what is considered an early closure.
  • Keep an eye on your balance when making payments. Northpointe Bank Checking Account charges a $29 fee.
  • An overdraft on your account will trigger a $29 fee per item.
  • Northpointe Bank Checking Account charges $5 every time you request a paper statement.
  • Every returned deposit incurs in a $5 charge.
  • Stop payment orders cost $25 a pop.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Overdraft Item Fee
$29
Early Account Closure
$10
Returned Deposit Fee
$10
NSF Fee
$29
Stop Payment Fee
$25
Bank Transfer (National)
$20
Bank Transfer (International)
$60
Overdraft Protection Fee (per transfer)
$8
Paper Statement Fee
$5
Bauer Financial A+/A Rating
Account Features
  • ATM Reimbursement
  • Bauer Financial A+/A Rating
  • CDs
  • Checking
  • Debit Card
  • FDIC Member
  • Free Bill Pay
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
  • No Monthly Maintenance Fee
  • Savings
Savings Interest Rate
Starting at
1.5%
Checking Interest Rate
Starting at
5%
Checking
IRAs
Savings
CD Accounts

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