Checking Accounts

Keep your checking account with someone you trust!  Waypoint Bank has always made our customers and the community a top priority. 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.


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

With Free Checking, you will never have to pay a monthly service charge again. This 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 16-25. Students are provided with certain benefits, such as a low opening balance, free checks, free debit cards and no fees for using non-Waypoint ATMs. We make your banking easy, so you can focus on your studies.

Now & Investment Plus Checking*

NOW & Investment Plus 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.

Tiered Money Market Checking*

Waypoint’s tiered Money Market account is a restricted, high interest checking account. The reason it is “tiered” is because 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.

Online Banking

Personal Banking Login

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