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  Northpointe Bank Free Checking Account

Northpointe Bank Free Checking Account

in Checking Accounts from Northpointe Bank · fdic

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Northpointe Bank Free Checking Account

Unaffiliated

in Checking Accounts from Northpointe Bank · Member FDIC

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

Northpointe Bank Free Checking Account Review

Northpointe Bank Free Checking Account is offered by Northpointe Bank, a bank founded in 1999 and based in Grand Rapids, MI. Northpointe Bank Free 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.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. Northpointe Bank Free Checking Account does not charge fees on ATM transactions.
  • ATM fee reimbursements. 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 through Northpointe Bank.
Northpointe checking account Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not earn interest
  • Higher than average wire transfer fees.
Northpointe checking account FAQ

Are checking accounts from Northpointe Bank federally insured?

Yes, your Northpointe Bank checking accounts are insured up to $250,000 per person 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 to open an account.

Northpointe Bank Free Checking Account Minimums
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.

Northpointe Bank Free Checking Account Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $10
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $29
Online Bill Pay Fee $0
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $8
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $60
ATM Fee: Out-of-Network $0

Does Northpointe checking account charge overdraft fees?

Yes, Northpointe checking account charges a $29 fee for every overdraft.

Northpointe checking account offers overdraft protection at a cost of $8 per transaction.

What features and perks does Northpointe checking account offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any 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.

How do people rate the customer service and user experience of Northpointe checking account?

Overall, Northpointe checking account is strongly recommended based on community reviews that rate customer service and user experience.

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Contact

Other Services by Northpointe Bank

Availability

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

Feature Breakdown

Minimum Opening Deposit Starting at $100
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
Early Account Closure $10
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $29
Overdraft Item Fee $29
Overdraft Protection Fee (per transfer) $8
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Outgoing) $60
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Member FDIC

Northpointe Bank Free Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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