Minimum balance of $50.00 to open account

When you open a Basic Checking account at Community Point Bank, you are able to take advantage of all of the following services:

• Online banking from your laptop or mobile device
• Convenient and quick bill pay
• Electronic bank statements***
• Check images
• Debit card transactions**
• ACH payments, transfers, deposits and withdrawals

Minimum balance of $500.00

Our NOW Account is an interest-bearing checking account that maintains all the features and convenience of our Basic Checking account option. Maintain a daily balance of $500.00 and avoid the maintenance charge of $7.00 per month.

Minimum balance of $1,000.00

Our Super NOW account is an interest-bearing checking account that includes all of the features of our Basic Checking account but offers a higher interest rate. Maintain a daily minimum balance of $1,000.00 avoid the maintenance charge of $15.00 per month.

Minimum balance of $50.00 to open account

This no fees, interest-bearing account includes all the features of our Basic Checking account with no requirements on maintaining a minimum balance. It offers competitive interest rates, compounded monthly and calculated based on your average daily balance. To receive your disclosed Annual Percentage Yield (APY), the following requirements must be met:

• Minimum of 15 CPB Debit Card Point of Sale transactions that post and settle (Per statement Cycle)
• Minimum of 1 Direct Deposit per month (Per statement Cycle)
• Account must be enrolled in e-Statements (Senior accounts do not require e-Statements)

Minimum balance of $50.00 to open account

This interest-bearing account includes all the features of our On Point Rewards Checking account with no requirements on maintaining a minimum balance. It offers competitive interest rates, compounded monthly and calculated based on your average daily balance, plus:

• Complimentary first box of checks (CPB logo checks only)
• Complimentary Money Orders
• ID Protect**
• Cellular Telephone Protection**
• $hopping Rewards^TM**
• And much more.** 

(**Registration/activation required.)

To receive your disclosed Annual Percentage Yield (APY), the following requirements must be met:

• Minimum of 15 CPB Debit Card Point of Sale transactions that post and settle (Per statement Cycle)
• Minimum of 1 Direct Deposit per month (Per statement Cycle)
• Account must be enrolled in e-Statements (Senior accounts do not require e-Statements)

Monthly Maintenance Charge: $6.95 (This charge may be reduced to $3.95 if you receive e-Statements for this account.)

On Point Plus Checking additional benefits:

IDPROTECT^®– identity theft monitoring and resolution service for you, your joint account owners, and eligible family members¹

• Up to $10,000 Identity Theft Expense Reimbursement Coverage²– to cover expenses associated with restoring your identity.
• Fully Managed Identity Theft Resolution Services – access to a dedicated fraud specialistassigned to manage your case who will work with you until your identity is restored
• Identity Theft Recovery Case Plan – to inform you of the recovery process
• Credit File Monitoring³– daily credit file monitoring and automated alerts of key changes to your single bureau credit reports. (registration/activation required)
• Identity Monitoring – Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (registration/activation required)
• Credit Report and Score⁴– request an updated single bureau credit report every 180 days or upon opening a resolution case. Each new report includes an updated single bureau credit score. (registration/activation required)
• Debit and Credit Card Registration – Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (registration/activation required)
• Online Identity Theft News Centerand valuable phone and web resources. (registration/activation required)

Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance² –Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.) 

Cellular Telephone Protection² – Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. (Cellular telephone bill must be paid using eligible account.) 

Debit Advantage® – Buyer’s Protection² and Extended Warranty² –Buyer’s Protection covers items for 90 days from the date of purchase against accidental breakage, fire, or theft. Extended Warranty extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years. (Item(s) must be purchased entirely with this account for coverage.)

Travel and Leisure Discounts–Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their mobile device. Digital access makes saving super easy and convenient, giving instant savings anywhere, anytime. (available online only)

Health Discount Savings – Enjoy savings on vision, prescriptions and dental services. This is NOT insurance.  (registration/activation required)

$hopping Rewards^TM – Receiving $hopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back.  Your cash back will be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check.  Yes, it’s that easy! (registration/activation required; available online only)

Financial Wellness 360º – Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to maximize financial wellness.

Credit Score Simulator⁴ – Use the Score Simulator to see how different actions, such as increasing card limits, or paying off a loan, will impact your VantageScore.  (registration/activation required)

VIP Concierge Service – Access to “911” travel emergency assistance service.  Relieve the hassle and receive personal assistance with last-minute or emergency travel and flight changes, lost luggage/passport/travel documents, restaurant/theatre/sporting event reservations and even pre-trip travel advice and roadside assistance, plus a multitude of other concierge and emergency travel services.  (This service includes 24/7 services only.  All costs to secure requests are the responsibility of the member.)

Roadside Assistance Expense Reimbursement² – Roadside assistance expenses incurred through the VIP Concierge roadside assistance network are reimbursable up to $80 per occurrence.  Covered expenses include expenses for vehicle towing, fuel/oil/fluid/water delivery, and battery/lock-out/tire assistance. Maximum of 2 reimbursement claims per year.

Disclosures:

*Interest paid if e-statements, a minimum of 15 posted and settled point of sale debit card transactions and a direct deposit per statement cycle. See Truth In Savings disclosure for details.

¹Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.  Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

² Special Program Notes:  The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described.  Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.  Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance.

³ Credit file monitoring may take several days to begin following activation.

⁴ Credit Score is a VantageScore 3.0 based on single bureau credit data.  Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness.

Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

Community Point Bank offers Money Market Deposit Accounts. Please contact us to learn more about this tiered-rate account and applicable money market interest rates.

Customers can choose from these simple ways to reorder their personal checks.

• Call Deluxe directly at 1-877-838-5287.
• Order your checks online using the button below.
• Mail or bring your reorder slip to the bank, and we will take care of the ordering for you!

Order Checks