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Northpointe Bank Review 2025

Updated May 14, 2025
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At a glance

Overview

Michigan-based Northpointe Bank is good for anyone seeking deposit account rates above national averages — some in the competitive range — while paying no monthly maintenance fees. The bank operates one branch, so it’s best for those who want to do most or all of their banking online.

Highlights:

ATM Fee Refunds No Monthly Fees
4.1
Rating: 4.1 stars out of 5
Bankrate Score

CDs

Rating: 4.2 stars out of 5
4.2 /5

Checking

Rating: 4.3 stars out of 5
4.3 /5

Savings

Rating: 4.3 stars out of 5
4.3 /5

MMA

Rating: 4.3 stars out of 5
4.3 /5
4.3
Rating: 4.3 stars out of 5
Customer Score
See all 26 consumer reviews Arrow Right Icon
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Bank logo
Member FDIC
Savings Account
3.65
%
APY
As of 7/18/2025
Rating: 4.2 stars out of 5
$0
Min. balance for APY
View offer Arrow Right Icon
Promoted offer: Backed by the financial expertise of Goldman Sachs.
Bank logo
Member FDIC
Savings Account
3.50
%
APY
As of 7/18/2025
Rating: 4.4 stars out of 5
$0
Min. balance for APY
View offer Arrow Right Icon
Promoted offer: It only takes about 5 minutes to open a fee-free account.
Bank logo
Member FDIC
CD
4.25
%
APY
As of 7/18/2025
Rating: 4.5 stars out of 5
$500
Minimum deposit
View offer Arrow Right Icon
Promoted offer: Backed by the financial expertise of Goldman Sachs.

Overall

Northpointe Bank is a Grand Rapids, Michigan-based bank offering a full selection of deposit products, including both free and interest-bearing checking accounts. The bank doesn’t charge monthly service fees for its accounts, and it reimburses some ATM surcharges assessed by other banks. The savings and money market accounts pay competitive rates on some balance tiers, although significantly higher certificate of deposit (CD) yields can be found at other banks. Additionally, savings accounts with lower balance requirements to earn the top yield can be found elsewhere.

Pros

  • Checkmark Icon

    Rates are competitive for some balance tiers.

  • Checkmark Icon

    No monthly maintenance fees or overdraft fees are charged.

  • Checkmark Icon

    Northpointe reimburses ATM surcharges from other banks up to $15 a month.

Cons

  • Customer service call center hours are limited.

  • High minimum balances are required to earn the best rates on certain accounts.

Northpointe Bank banking products

Northpointe Bank savings overview

4.3
/5
Rating: 4.3 stars out of 5

Pros

  • Checkmark Icon

    Some balance tiers earn competitive APYs.

  • Checkmark Icon

    The Ultimate Savings account can be opened with just $100.

  • Checkmark Icon

    There are no monthly service fees.

Cons

  • At least $25,000 is needed to earn the highest APY for the Ultimate Savings account.

  • Accounts closed within the first 120 days are subject to a $10 fee.

  • Balances under $100 don’t earn interest.

Rate history for Northpointe Bank's Savings accounts

See how rates for this account have changed over time. Interact with the trend lines to view APY by date.

Northpointe Bank
APY
National average APY
Display historical averages
Line chart with 2 lines.
The chart has 1 X axis displaying Time. Data ranges from 2024-07-01 04:00:00 to 2025-07-01 04:00:00.
The chart has 1 Y axis displaying values. Data ranges from 0.56 to 3.25.
End of interactive chart.
How do we get this data?

Northpointe Bank CD overview

4.2
/5
Rating: 4.2 stars out of 5

Pros

  • Checkmark Icon

    A wide range of flexible term lengths are available from seven days to five years.

  • Checkmark Icon

    The minimum opening deposit of $1,000 is comparable to other banks.

Cons

  • Significantly higher rates can often be found elsewhere.

  • No specialty CDs are available, such as no-penalty or bump-up CDs.

Rate history for Northpointe Bank's CD accounts

See how rates for this account have changed over time. Select the CD term length from the dropdown and interact with the trend lines to view APY by date.

Northpointe Bank
APY
National average APY
(No data available)
Display historical averages
Line chart with 2 lines.
The chart has 1 X axis displaying Time. Data ranges from 2024-07-23 00:00:00 to 2025-01-28 00:00:00.
The chart has 1 Y axis displaying values. Data ranges from 0.35 to 2.5.
End of interactive chart.
Caret Down Icon
How do we get this data?

Northpointe Bank money market overview

4.3
/5
Rating: 4.3 stars out of 5

Pros

  • Checkmark Icon

    One of the balance tiers earns a competitive rate.

  • Checkmark Icon

    Check-writing privileges and a debit card are available.

  • Checkmark Icon

    No monthly service fees are charged.

Cons

  • Rates received are much lower when balances fall under $25,000, and no interest is earned at all on accounts with balances below $2,500.

  • Foreign wire transfer services are not allowed.

  • There’s a $5 fee every time you go beyond the account’s six-per-month withdrawal limit.

Northpointe Bank checking overview

4.3
/5
Rating: 4.3 stars out of 5

Pros

  • Checkmark Icon

    There’s a low minimum to open a free checking account.

  • Checkmark Icon

    The bank offers a generous ATM reimbursement each month.

  • Checkmark Icon

    Customers can get a custom debit card with the design of their choice for a small fee.

Cons

  • Customers with less than $2,500 in their interest-bearing checking account receive no interest payment.

Bank fees

Fee Charged?
Overdraft fee None
Non-sufficient funds fee None
Monthly maintenance fee None
Out-of-network ATM fee None
Excessive transaction fee $5

Customer experience

Customers looking for general help with accounts will find that phone support is only available weekdays 8 a.m. to 5:30 p.m. Eastern time, though some automated banking services are available 24/7.

Northpointe’s app has generally received positive ratings for iOS and decent ratings for Android.

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Review methodology

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.