POINTS pricing

One unit. Every fee, plain.

Every POINTS account tier is priced the same way: a monthly fee, a per-transaction fee, and where the product earns or costs interest — the rate, plain. No tiers behind a paywall, no rewards you have to decode.

1 POINT = $0.01 USD.

Every fee, yield payout, and reward on POINTS is denominated in POINTS — 1 POINT equals 1 cent. Pay a 25-POINT ATM fee and you pay $0.25. Earn a 4.25% APY on a $1,000 balance and you earn roughly 425 POINTS per month. POINTS you earn are redeemable against any eligible debit-card spend in the app — no third-party gift cards, no expiry, no foreign-exchange markup on in-network rails.

Account tiers

Four products. One fee schedule.

Open any tier directly. Each card states the monthly fee, the per-transaction fee, and the rate that applies. Every figure below is in POINTS.

Checking

Everyday consumer account, held at a partner bank.

Monthly fee: 0 POINTS
Per transaction: 0 POINTS in-network · 25 POINTS out-of-network ATM

FDIC pass-through insurance on the full deposit balance.
Direct deposit, bill pay, P2P send, and budgeting included.
No minimum balance. No overdraft fees — declines at zero instead.

Open Checking

Savings

4.25% APY

Liquid yield, paid in POINTS and redeemable against spend.

Monthly fee: 0 POINTS
Per transaction: 0 POINTS
APY: 4.25%

Variable APY, compounded daily, credited monthly into the same account.
Up to 6 withdrawals per statement cycle at no cost.
Funds sweep from Checking automatically when the buffer dips.

Open Savings

Secured Credit

From 9.50% APR

Credit-building line, collateralised by your Savings.

Monthly fee: 0 POINTS
Per transaction: 0 POINTS
APR: From 9.50%

Credit limit equals your Savings collateral, 1:1, in a hold balance.
On-time payments report to all three US bureaus each cycle.
Graduates to an unsecured line after 12 on-time cycles.

Open Secured Credit

Debit

Physical and virtual card paid from your POINTS balance.

Monthly fee: 0 POINTS
Per transaction: 0 POINTS in-network · 25 POINTS out-of-network ATM

Virtual card issued instantly in-app; physical card ships in 5–7 business days.
Spend earns POINTS at 1 POINT per dollar on every swipe.
No foreign-transaction fee. Network rate applied, no POINTS markup.

Open Debit

Deposit accounts are opened at FDIC-insured partner banks under properly de-risked sponsorship; POINTS powers the app, ledger, and routing layer — POINTS does not directly hold or insure deposits. POINTS is not a bank. Credit products are subject to eligibility and underwriting. APY is variable; APR is fixed once your line is originated. Out-of-network ATM fees may be charged by the operator in addition to the 25-POINT POINTS fee.

Questions on pricing? Write to [email protected].