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Personal Checking Accounts in Nebraska

Finding the right personal checking account starts with knowing what matters to you. At Five Points Bank, we offer four personal checking account options across Nebraska, each built for a different need, balance preference, or lifestyle. Whether you want no fees, interest on your balance, or exclusive member benefits, there is an account here for you.

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All of Our Accounts Come With the Following Benefits:

Free Mobile Banking

Free E-Statements

Free Mobile Deposit
Free ATM Withdrawals at Money Pass ATMs

We Make It Easy to switch to Five Points Bank!

We know switching banks can be a hassle, so when you decide to move to Five Points Bank we want the process to be simple and easy. We have designed our SwitchKit to help make your switch to Five Points Bank as convenient as possible.

Switchkit Online Form

Free Club

The Free Club is a straightforward personal checking account with no monthly service fees and no minimum balance requirement. It includes a free debit card, free mobile banking, and free e-statements. A $100 deposit is required to open the account.

Free Club Account Application

Golden Club Account

The Golden Club personal checking account is available to customers aged 55 and older. It earns variable interest on your balance and includes access to exclusive activities, group travel, events, and a quarterly newsletter. A $1,000 minimum balance or qualifying direct deposit is required.

Golden Club Account Application

Ultimate Club Account

The Ultimate Club account is a full-featured personal checking account that earns variable interest and includes unlimited free checks, a free debit and ATM card, free cashier's checks, and a $5 annual safe deposit box discount. A $7 monthly service charge is waived with a combined deposit and loan relationship of $20,000 or more.

Ultimate Club Account Application

E-Club Account

The E-Club account is a personal checking account with no service charge when you enroll in e-statements. It includes a free debit card, free mobile banking, free imaged checks with your monthly statement, and a $100 opening deposit requirement. A $2.95 monthly charge applies without e-statement enrollment.

E-Club Account Application

Why Choose a Five Points Bank Personal Checking Account?

Five Points Bank is a locally owned community bank serving Nebraska since 1964. Every personal checking account comes with free mobile banking, free mobile deposit, free e-statements, and access to fee-free ATMs through the MoneyPass network. We make decisions locally. That means faster service, people who know your name, and banking built around Nebraska communities, not a corporate checklist. If you are opening your first account, switching banks, or looking for a better fit, our team is ready to help you find the right option.

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Checking Account Comparison

Features	Free Club	Golden Club	Ultimate Club	E-Club
Free ATM withdrawal within the Money Pass Network
Flex Reserve overdraft protection with no annual fee	N/A			N/A
Earns variable interest	N/A			N/A
No minimum balance		Minimum balance may apply
Service Charges	N/A	N/A	$7.00 charge, waived with combined deposits and/or loan relationship $20,000 or more	$2.95 charge, waived with the enrollment of e-statements
Unlimited check writing
Unlimited free checks				N/A
Free emailed monthly statement
Free imaged checks with monthly statement	N/A
Free Debit Card
Mobile, Online Banking, Bill Payment, P2P, Star Phone
$5 off annual safety deposit rental fee	N/A			N/A
Free cashier's checks	N/A			N/A
Free year-end DVD of imaged checks, deposits and transactions (upon request)	N/A			N/A
$100 deposit required to open account
Quarterly Newsletter, Group Travel, Events, Free Movies, and Annual Holiday Luncheon	N/A		N/A	N/A
Account Requirements	N/A	Requires a minimum balance of $1,000. May also qualify with recurring direct deposits, ten debit card transactions each month, or a combined relationship of $20,000	N/A	N/A

FAQ’s About Our Personal Checking Accounts

What Do I Need to Open a Personal Checking Account?

You will need a valid government-issued photo ID, your Social Security Number, and a minimum opening deposit of $100. You can apply online or visit any Five Points Bank branch across Nebraska.

Is There a Minimum Balance Requirement?

It depends on the account. The Free Club and E-Club accounts have no minimum balance requirement. The Golden Club requires a $1,000 minimum balance or qualifying direct deposits. The Ultimate Club waives the monthly service charge with a combined relationship of $20,000.

Can I Open a Five Points Bank Checking Account Online?

Yes. You can open a checking account for personal use through the online application portal. The process takes a few minutes, and you will need your ID and Social Security Number.

What is the Difference Between the Free Club and E-Club Accounts?

Both accounts have no minimum balance, but the E-Club charges $2.95 per month if you do not enroll in e-statements. The Free Club has no service charge at all. The E-Club also includes imaged checks with your monthly statement.

Does Five Points Bank Offer Overdraft Protection?

Yes. The Golden Club and Ultimate Club accounts include Flex Reserve overdraft protection with no annual fee. Overdraft protection is not available on the Free Club or E-Club accounts.Yes. The Golden Club and Ultimate Club accounts include Flex Reserve overdraft protection with no annual fee. Overdraft protection is not available on the Free Club or E-Club accounts.

Ready to Open Your Personal Checking Account?

Five Points Bank makes it simple. Choose the personal checking account that fits your life, apply online in minutes, or visit any Nebraska branch, and a local banker will walk you through it.

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Connect with Five Points Bank

Five Points Bank

(800) 576-4687

Five Points Bank of Hastings

(402) 462-2228

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