Checking

Four Points Federal Credit Union offers two great checking account options that put more money back in your pocket.

Purchase Rewards Checking

EARN CASHBACK

With Four Points Purchase Rewards Checking we’ll pay you cold, hard cash for making everyday purchases with your debit card, giving you more money to work with each month.

  • Earn 5 cents for every debit card purchase when you use your card at least 25 times a month.
  • Rewards are credited to your checking account each month*
Premier Checking

MAKE YOUR ACCOUNT BALANCE WORK FOR YOU

Four Points Federal Credit Union’s 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.

Product Amount Rate APY
Purchase Rewards Checking N/A 0.00% 0.00%
Premier Checking $20,000 or more* 0.20% 0.20%
Below $20,000* 3.928% 4.00%

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

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