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Free Checking PLUS+

Free checking that earns interest is the best of both worlds

Free, easy and rewarding – that's Free Checking PLUS+

Earn up to 3.00% APY1

Your account balance continues to grow at a solid rate.

Receive ATM fee refunds2

You'll get up to $20 back each month in fees if you use non-Point Breeze Credit Union ATMs.

Qualify easily3

Make 12 debit transactions, direct deposit at least $400 and receive eStatements each month.

Manage money digitally

Use Online and Mobile Banking to track all your account activity.

Receive your pay early

Early Deposit™ means you get your paycheck deposited up to two days early.

Do more with your debit card

Access 30,000 surcharge-free ATMs4 and our cash-back rewards program with a Point Breeze Visa® Debit Card. 

Free checking + lots of extras = your new go-to account

At Point Breeze Credit Union, we're all about convenience and great value. That's the combination you'll find in this interest-bearing checking account. You have access to all the tools you need to manage your money, a rewards program tied to daily debit card use and access to a nationwide network of surcharge-free ATMs and Shared Branches.

Point Breeze Credit Union is a full-service financial institution with locations throughout Maryland.

Free Checking PLUS+ Rates

APY is accurate as of: April 23, 2024
Tier APY Compounded & Credited Minimum Balance to Open
Qualifying*, Balances $0.01-$10,0003.00%Monthly$0
Qualifying*, Balances $10,000.01 and up0.10%Monthly$0
Not Qualifying*, All Balances0.05%Monthly$0

*APY=Annual Percentage Yield. Rates are subject to change without notice and may change after the account is opened. To earn the qualifying rates, each month you must have at least 12 debit card purchases using your Point Breeze Visa® Debit Card, have direct deposit(s) of at least $400 and receive eStatements. If you close your account before accrued interest for any month is credited, you will receive the lowest-tier interest rate on your entire balance. Fees may reduce earnings. Please refer to the Free Checking PLUS+ Truth-In-Savings Disclosure for more information. For grandfathered Interest Checking accounts, please contact us for current rates. 

Limit one account per member. Products subject to change.

1If your account meets all monthly qualifications, you will earn 3.00% APY on balances up to $10,000.00 and 0.10% APY on balances of $10,000.01 and higher. If your account does not meet all monthly qualifications, you will earn 0.05% APY on the entire balance. Rates are subject to change without notice. Please refer to our Rate & Fee Schedule for additional information.

2We will refund up to $20.00 each month in foreign ATM fees if all monthly qualifications are met. Refunds will be deposited into your account no later than the last day of the next month.

3To earn the higher interest rate(s) and foreign ATM fee refunds, you must receive eStatements, have direct deposit(s) of at least $400 per month and complete a minimum of 12 debit card purchase transactions per month using your Point Breeze Visa® Debit Card. Both PIN and signature point-of-sale transactions qualify. Returns, refunds and ATM transactions do not qualify.

4Some ATM owners may impose a surcharge. Access to surcharge-free CO-OP® Network ATMs available with the Point Breeze Visa® Debit Card only. Surcharge-free means the owners of the physical ATM will not charge a fee, but other fees may apply. Transactions are always free at Point Breeze ATMs when using a Point Breeze ATM or Debit Card.