Checking Accounts
We have a checking account for every need!
We offer a wide range of checking options to meet your personal needs. From simple checking to interest checking, we can provide a solution for you.
Our checking accounts offer:
- Debit cards with Chip Technology
- Free Online Access
- Access to ALL Point ATM Locations
- Quicken, QuickBooks & Microsoft Money integration
Read more about our checking account options below. Contact us if you have any questions.
Mariner Checking
- Minimum to open: $50.00
- No minimum balance required after opening
- No monthly maintenance charge
- Visa Check (Debit) Card available no monthly or annual fee
Beachcomber Checking
- Minimum to open: $50.00
- Interest bearing account
- Variable interest rate is earned on daily balance
- Minimum balance required to earn APY
- $200.00 minimum balance to avoid $8.00 monthly maintenance charge
- Visa Check (Debit) Card available no monthly or annual fee
- Your first order of standard checks will be supplied at no charge!
Beachcomber Plus Checking
- Minimum to open: $50.00
- Interest bearing account
- Variable interest rate is earned on daily balance
- Minimum balance required to earn APY
- $500.00 minimum balance to avoid $10.00 monthly maintenance charge
- Visa Check (Debit) Card available no monthly or annual fee
- Your first order of standard checks will be supplied at no charge!
Lighthouse Checking
- Minimum to open: $50.00
- Interest bearing account
- Variable interest rate is earned on daily balance
- Minimum balance required to earn APY
- $200.00 minimum balance to avoid $5.00 monthly maintenance charge
- Visa Check (Debit) Card available no monthly or annual fee
- Service charge free with direct deposit
- Your first order of standard checks will be supplied at no charge!
- Age 50+ Only
VARIABLE RATE ACCOUNTS: Your interest rate and Annual Percentage Yield (APY) may change. At our discretion, we may change the interest rate on your account at any time.For current rate and APY information, please call us at (302) 226-3333 or stop by your nearest branch.
COMPOUNDING & CREDITING: For an Interest-Bearing Checking Account and Money Market Account, interest will be compounded daily and will be credited to your account monthly. For a Savings Account, interest will be compounded daily and credited to your account monthly. For a Club Account, interest is compounded daily and will be credited at maturity. If you close your account before interest is credited, you will not receive the accrued interest.
DAILY BALANCE: Your DAILY BALANCE is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.