Last Updated: 01/21/2026
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Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Rewards
N/A
APY (Annual Percentage Yield)
0%(Verified 06/21/2024)
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Monthly Maintenance Fee
$0(Verified 01/21/2026)
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Northpointe Bank Free Checking Account Review
The Northpointe Bank Free Checking Account is offered by Northpointe Bank, a bank founded in 1999 and based in Grand Rapids, MI. Northpointe checking account is available in 50 states and Washington, DC.
Key Takeaways
- 0% APY. As with most checking accounts, Northpointe Bank Free Checking Account does not pay interest.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- No ATM fees. Northpointe Bank Free Checking Account does not charge fees on ATM transactions .
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Northpointe Bank mobile or online banking.
Northpointe checking account Pros & Cons
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Northpointe checking account FAQ
Are checking accounts from Northpointe Bank federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.
What APY does Northpointe checking account offer?
Northpointe checking account is not an interest-bearing account.
What are the account minimums for Northpointe checking account?
Northpointe checking account requires a minimum initial deposit of $100.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Northpointe checking account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $60 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Northpointe checking account charge overdraft fees?
Yes, Northpointe checking account charges a $29 fee for every overdraft.What features and perks does Northpointe checking account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees .
- Fraud monitoring - Northpointe checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Northpointe checking account allows you to manage your money online or with a mobile app. This includes depositing checks* in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Northpointe checking account?
The customer support email for Northpointe checking account is support@northpointe.com.
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Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
Other Services by Northpointe Bank
SuperMoney Net Recommendation Score
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Northpointe Bank Free Checking Account Community Reviews
Would you recommend Northpointe Bank Free Checking Account to your friends?
Arnel S.
Oct 21, 2023
May or may not recommend
Good bank I would recommend to my family's and friends
BN
Bryant N.
Oct 26, 2020
May or may not recommend
As a first-time homeowner going through refinancing amid this pandemic, I was confused and entirely nervous about the process. I refinanced through Northpointe Bank, and my loan officer was top-notch. She took the time to answer all my questions and swiftly and accordingly took care of any technical challenges.
The Northpointe Bank’s online interface and the app were also outstanding, making it easier to communicate with piles of ...Show More
U
Anonymous
Aug 20, 2020
May or may not recommend
I opened my account with Northpointe with the initial deposit of $100. I appreciate the features of being able to pay bills through my account with no additional charges. Additionally, I’m able to take out cash from any ATM, even if it’s not part of their network. Northpointe didn’t charge me for a debit card replacement too.
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