Northpointe Bank Review 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 FeesHighlights:
CDs
Checking
Savings
MMA
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These are sponsored offers rated highly by us for competitive rates, fees, and minimums.

APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.2/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate CD rating = 4.5/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
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
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Rates are competitive for some balance tiers.
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No monthly maintenance fees or overdraft fees are charged.
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Northpointe reimburses ATM surcharges from other banks up to $15 a month.
Cons
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Customer service call center hours are limited.
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High minimum balances are required to earn the best rates on certain accounts.
Northpointe Bank banking products
Northpointe Bank savings overview
Pros
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Some balance tiers earn competitive APYs.
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The Ultimate Savings account can be opened with just $100.
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There are no monthly service fees.
Cons
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At least $25,000 is needed to earn the highest APY for the Ultimate Savings account.
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Accounts closed within the first 120 days are subject to a $10 fee.
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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 CD overview
Pros
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A wide range of flexible term lengths are available from seven days to five years.
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The minimum opening deposit of $1,000 is comparable to other banks.
Cons
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Significantly higher rates can often be found elsewhere.
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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 money market overview
Pros
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One of the balance tiers earns a competitive rate.
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Check-writing privileges and a debit card are available.
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No monthly service fees are charged.
Cons
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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.
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Foreign wire transfer services are not allowed.
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There’s a $5 fee every time you go beyond the account’s six-per-month withdrawal limit.
Northpointe Bank checking overview
Pros
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There’s a low minimum to open a free checking account.
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The bank offers a generous ATM reimbursement each month.
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Customers can get a custom debit card with the design of their choice for a small fee.
Cons
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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.
Review methodology
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.