Simple Checking
Everything you need in a checking account and nothing you do not. No minimum balance and no direct deposit requirement.
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A Straightforward Account
Simple Checking is for members who want a working account without conditions to track or rewards to chase. No minimum balance, no direct deposit requirement, a free debit card, and digital banking. The monthly fee and the check allowance are both stated in full below.
What You Should Know
No Minimum Balance
No minimum balance requirement to hold the account.
No Direct Deposit Required
Direct deposit is not a condition of the account.
Fee and Waiver Conditions
A $5 monthly fee may apply unless the stated condition exists.
10 Free Checks a Month
Up to 10 checks clear free each month, then $.50 per item.
No Insufficient Funds Fees
No fees are charged for insufficient funds or overdrafts.
Free Debit Card
A Mastercard debit card is included.
What You Will Need
- Waypoint membership
- Photo identification and Social Security number
- A minimum balance of $0.01 is required at all times.
Common Questions
A monthly service fee of $5 may be charged against your account unless the following conditions exist: A) Opt-in for Overdraft Privilege is active. Up to 10 checks may be written and cleared against the account per month at no charge. Additional cleared items will be billed at $.50 per item.
Up to 10 clear free each month. Additional cleared items are billed at $.50 each.
Simple Checking has no standard monthly maintenance fee, though a $5 fee may apply depending on how the account is set up, and the first 10 cleared checks each month are free, then $0.50 per item. Basic Checking carries a set $10 monthly service fee and charges no insufficient funds or overdraft fees.
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
A monthly service fee of $5 may be charged against your account unless the following conditions exist: A) Opt-in for Overdraft Privilege is active. Up to 10 checks may be written and cleared against the account per month at no charge. Additional cleared items will be billed at $.50 per item.
Federally insured by NCUA.