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Personal Checking Account Options

All ViewPoint Bank checking accounts are only $100 to open, plus they come with a host of extras.

Money Market
Is It Right For You? Free checking and money market all rolled into one convenient, free account. Earn a competitive rate just by keeping a minimum balance. Just the basics.
Opening Deposit




Balance or Activity Requirements Monthly direct deposit or one online bill payment per month¹.
No minimum balance required.
No monthly service charge.
Keep a minimum daily balance  of $3,000 to avoid $15 monthly service charge. No minimum balance required. No monthly
service charge.
Interest2 Tiered account. Calculated on daily balance and paid monthly:
Up to $25,000
Above $25,000 to $100,000
Over $100,000
Tiered account. Calculated on daily balance and paid monthly:
Up to $7,500
Above $7,500 to $19,999
Above $19,999 to $49,999
Over $49,999


FREE Unlimited ATMs3 Yes



FREE Checks4 Yes Yes


FREE Online Banking with FinanceWorks Yes Yes Yes
FREE Online Bill Pay Yes Yes Yes
FREE Visa® Check Card with Purchase Rewards Yes Yes Yes
FREE Text Message Banking5 Yes Yes Yes
Free Mobile Banking5 Yes Yes Yes
FREE Safe Deposit Box6 Yes Yes Yes



(1) To maintain an Absolute Checking account, you must (a) receive a monthly direct deposit OR (b) make at least ONE online bill payment per month. If these eligibility requirements are not met, the account may be converted to a Free Checking account. Only one Absolute Checking allowed per primary owner. You must live in the state of Texas to be eligible for this account. See Account Disclosure for terms and conditions.
(2) See current consumer deposit rate sheet for rates. Rates, terms and conditions subject to change without notice. Fees could reduce earnings on accounts.
(3) 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 statements.
ViewPoint Bank Custom Checks only. Only one box of checks 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.


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