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Getting the most out of Absolute Checking.


We think you’ll love Absolute Checking, our FREE checking account that earns you interest AND offers free ATMs—anytime, anywhere. Here’s what you need to know to get the maximum value from this great account:

 

Back to Absolute Checking


Are there any account requirements for Absolute Checking?
Besides a $100 minimum opening deposit, all we ask is that you:

      • receive a monthly direct deposit into your account OR use our online bill pay to make at
        least ONE bill payment per month.

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How much do I need to have direct deposited monthly?
There is NO minimum dollar requirement on the direct deposit amount.

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Is there a charge for online bill pay?
No. Absolute Checking features FREE online bill pay.

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What do you mean by “Free ATMs”?
Free means free.  If you use someone else’s ATM, not only will we not charge you, but we’ll also refund you any ATM fees that the ATM owner charges. Keep in mind that on your statement you’ll see both the foreign ATM fee listed as well as the refund, noted by the description, “FREE MEANS FREE! ATM REFUND."

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Is there a minimum balance to earn interest?
No. There are no minimum balance requirements.

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How do I earn the highest interest rate each month?
Provided you’re meeting the account requirements, you’ll earn the highest rate just by doing the following:

      1.  Sign up to receive your account statements and notices electronically. (NOTE: For
           security reasons, you'll need to log into online banking at least once every 6 months to
           continue getting online statements.)

      2.  Use your Absolute Checking Visa Check Card at least 15 times per month for
           purchases. (Keep in mind that the transactions must POST before month end to count
           toward that month's total.)

That's it!

By the way, we’ll pay you the highest rate during your first full statement cycle just so you have time to get settled.

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How often is interest paid?
Interest is paid monthly based on whether the requirements were met the previous month. For example, if the requirements were met in January, the qualifying rate will be earned for the balances in the account in February and will be paid at the end of February.

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Will I still earn interest if I don’t meet the activity requirements?
Yes. Check out our Deposit Rates to see the current base rate.

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Is there a service charge if I don’t meet the activity requirements?
No. There are no monthly service charges on this account.

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What happens if I don’t meet the direct deposit or online bill pay requirement?
If you don’t want to use direct deposit or online bill pay, your account will automatically convert to Free Checking.

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Do ATM or automatic payments count as part of the 15 VISA check card transactions?
No. ATM and ACH transactions do not count. Eligible check card transactions include PIN-based and signature-based point-of-sale purchases.

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How can I track the number of my check card transactions?
Just access your account online to see your transactions. Eligible transactions will be coded “CK CARD.” Transactions must post to your account before the end of the month to count toward that month’s total.

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Are checks really free with Absolute Checking?
ViewPoint Bank custom checks are free—one box per order. We think the custom checks are quite nice, but if you want something fancier—or more than one box at a time—there will be a charge.

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What other benefits come with Absolute Checking?

      • FREE FinanceWorks, a useful online budgeting tool powered by Quicken
      • FREE safe deposit box for one year, depending on availability
      • FREE Purchase Rewards—get cash back offers directly through online banking.

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Sounds great. Can I open more than one Absolute Checking?
Absolute Checking is limited to one account per primary owner. But if anyone else in your household wants to open one, send them over!

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You’re a Texas-based bank. Can I open Absolute Checking if I don’t live there?
We appreciate your interest in Absolute Checking, but ViewPoint Bank is a community bank and as such is limiting Absolute Checking to those who live in the state of Texas.

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For more information, please refer to your Account Disclosure.
 

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