Basic Checking
The essentials for everyday banking, without unnecessary fees. A straightforward solution with no frills.
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No Frills, and That Is the Point
Basic Checking gives you a working account and nothing you did not ask for. No rewards to chase, no qualifications to meet each month, no conditions to track. If you want a place to receive your pay and pay your bills, this is it.
What You Should Know
The Essentials
Everything you need for everyday banking and nothing more.
No Unnecessary Fees
Built to avoid fees rather than waive them on conditions.
Free Debit Card
A Mastercard debit card is included.
Digital Banking
Online banking, the mobile app, and e-statements.
Versus Simple Checking
Basic Checking has a set $10 monthly fee. Simple Checking has none as standard.
Monthly Fee
A set $10 monthly service fee, with no insufficient funds or overdraft fees.
What You Will Need
- Waypoint membership
- Photo identification and Social Security number
- A minimum balance of $0.01 is required at all times.
- Start with as little as $0.01
Common Questions
Yes. Basic Checking carries a set $10 monthly service fee. In exchange, you are not charged insufficient funds or overdraft fees.
Yes, a free Mastercard debit card is included.
Not sure which fits? Ask a Waypoint Credit Union representative
A Waypoint Credit Union representative will compare the options against what you are actually trying to do, including the ones we do not advertise heavily. Open online, or book a time at any Waypoint branch.
Important Disclosures
Federally insured by NCUA.