Personal & Free Checking Accounts

Keep your personal checking account with someone you trust! Waypoint Bank has always made our customers and the community a top priority—just one reason why we are a bank with free checking accounts!

Waypoint has adopted electronic monthly statements, or eStatements (instead of mailing paper copies each month.)  This helps us keep your banking costs low, and provides you with secure access to your account and statements 24/7 after enrolling in online banking.

We work hard to offer the account benefits that are best for you, with staff that will help you pick the account best suited to your needs.

Click on the different accounts below to learn more, or contact us to discuss the best options for you. We have convenient locations in Colorado & Nebraska!


All Checking accounts come with Online Banking, Online Bill Pay, and Mobile Banking.

Our online banking service allows you to check balances, transfer funds, make loan payments, view statements, and more. All at your convenience. You can even receive email notifications to inform you when your statement is available to be viewed online.

Bill Pay is FREE and automatically included once you are signed up for online banking.

Mobile Banking on any phone with internet access allows you to securely: view your account balances, view your most recent transactions, pay bills, transfer funds between accounts, make loan payments, and find a Waypoint Bank ATM or bank location.

For more information on the benefits and restrictions of each account, see our account comparison chart.

Free Checking

Waypoint Bank believes banks with free checking should be the standard. With Free Checking, you will not have to pay a monthly service charge. This personal checking account also boasts great benefits such as a free debit card or free box of checks.

Smart-Start Checking

Smart-Start checking is for students, ages 16–24. Students are provided with certain benefits, such as a low opening balance, free checks, and free debit cards. Waypoint Bank does not charge Smart-Start account holders with ATM fees, but owners of other ATM’s may. We make your banking easy, so you can focus on your studies. Learn more about Smart-Start checking.

Now Checking*

NOW Checking

These accounts are for individuals who want to earn interest on their funds like a savings account, but still have the ability to write checks and use a debit card from the same account.

*Please call for the current rates.

Investment Plus*

Waypoint’s Investment Plus account is a limited-debit, high-interest checking account.  It offers tiered interest rates as the more money you have in the account, the higher your interest rate. This type of account benefits those who tend to keep a higher balance in their checking account. *Please call for the current rates.

Waypoint Advantage Checking

Earn a higher interest rate on balances up to $20,000. *Please call for the current rates.

Visit or call Waypoint Bank today for your personal checking needs. Send us a message or check out the contact info for any of our Colorado & Nebraska locations!

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