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Absolute Checking - A free checking and money market all rolled into one!


There’s no shortage of perks with Absolute Checking. This free account only requires a $100 opening deposit and either a monthly direct deposit (no minimum!) OR just one online bill payment per month.1


Free ATMs anytime, anywhere.2

Free means free. Choose any ATM worldwide and we’ll cover the fees. (No receipt required.) Just use your Absolute Checking Visa Check Card to withdraw cash at any ATM where the card is accepted. If that ATM owner charges a fee, ViewPoint Bank will refund that fee.


Premium Interest

There’s no minimum balance required to earn the base interest rate on the account.

To earn a premium interest rate3, simply:
Sign up for online statements
Use your Absolute Checking Visa Check Card at least 15 times per month for everyday purchases

Additional Features

No monthly service charge or minimum balance required
online bill pay
Free checks4


Free mobile banking and text message banking5
cash-back rewards
FinanceWorks budgeting tool
Free safe deposit box6



1. To maintain an Absolute Checking account, you must (a) receive a monthly direct 
    deposit OR (b) use our online bill pay to make at least ONE bill payment per month. (Bill
    payment must POST before month-end.) If these eligibility requirements are not met, the
    account may be converted to a Free Checking account. See
Account Disclosure for
    more information.

2. ViewPoint Bank will not charge an ATM fee and will refund fees charged by ATM owners. 
    Both the foreign ATM fee and the refund will show up separately on your statement.

3. APY = Annual Percentage Yield. Rates subject to change. To earn the highest APY, all 
    of the following are required. Otherwise you will earn the lowest APY:

    a. Receive your monthly bank statements and notices on your account electronically.
        Statements will be available through Online Banking. (For security reasons, we require
        users to log in to Online Banking at least once every 6 months to continue receiving 
        online statements.)

    b. Use your Absolute Checking Visa Check Card at least 15 times per month for 
        purchases. Transactions must POST before month-end.

    c. Meet the basic account requirements listed in #1 above.

    Rates are determined based on the activity of the prior month. For example, if you meet
    all the requirements in January, you will qualify to receive the highest APY in February. 
    This interest will post to your account at the end of February and will be reflected in your
    February statement. If you do not meet the requirements in January, you will receive
    the lowest rate on your February statement.

    If requirements are met, rates quoted as of January 2, 2015, were the following: 1%
    APY on $0 - $25,000; 0.25% APY on $25,000.01 - $100,000; and 0.25% APY on all
    deposits over $100,000. If requirements are NOT met, the rate is 0.01% APY.

4. ViewPoint Custom Checks only. Only one box per calendar year.

5. Standard rates from your wireless provider still apply.

6. Free for one year. Subject to limited availability. Standard fees apply after one year 
    from date of opening. See schedule of fees for service charges. Offer is non
    transferable. Contents of safe deposit boxes are NOT INSURED by the FDIC.

    Only one account per primary owner. You must live in the State of Texas to be eligible
    for this account.




Get Started.  Open an Absolute Checking Account.



Save .50% off your loan rate simply by having your payment debited from Absolute Checking account.* Apply Now.


Absolute Checking FAQ



































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