Checking

Four Points Federal Credit Union offers a checking account option that put more money back in your pocket.

Premier Checking

MAKE YOUR ACCOUNT BALANCE WORK FOR YOU

Four Points Premier Checking offers members attractive dividends rates by taking three simple steps: Sign up for eStatements; set up a Direct Deposit to occur at least monthly; and use your Visa debit card at least once a month.

The criteria or activities needed to earn dividends on Premier checking starting May 1st are:

• Self-enrollment of e-statements and maintain that delivery preference.

• Electronic deposit(s) (ACH) of $500 or more each month.

• Complete fifteen (15) or more point of sale purchases with your FPFCU debit card

*Disclosures: Some restrictions may apply. No dividends earned in Premier Checking accounts if monthly criteria not met. Please review our Current Rates, or Membership Disclosures & Truth in Savings Rate and Fee schedule for additional information and earning criteria.

 

Product Amount Rate APY
Premier Checking $20,000 or more* 0.200% 0.20%
  Below $20,000* 3.687% 3.75%

Early Access to ACH Deposits

With Early ACH, you can get your deposits up to two days early—as long as you have a direct deposit set up with us.

  • Receive eligible direct deposit funds up to two days early.
  • No need to enroll—all you need is a Premier or Purchase Rewards checking account and a direct deposit setup.
  • Early ACH is a free benefit for all checking account holders and doesn’t cost a single penny to enjoy.

Disclosures: Under Early ACH, Four Points may make incoming electronic direct deposits made through Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early ACH. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether funds are early depends on when Four Points FCU receives the payor’s payment instructions, limitations set on the amount of early funds, and standard fraud prevention screening. Available for personal accounts only. Eligible direct deposits are limited to electronic direct deposits of items such as payroll, pension, or benefits made through ACH to your personal account.