Available nationwide, Northpointe Bank is offering a rate of 3.25% APY when you open an Ultimate Savings Account. To earn this generous rate, continue reading on below for more information!
About Northpointe Bank Ultimate Savings
Headquartered in Grand Rapids and being the 10th largest bank in the state of Michigan, Northpointe Bank offers a wide variety of products and services. With convenient online access while having an A health rating, you are able to receive the best service and care that the bank has to offer.
| Balance Requirement | APY Rate |
| $25,000 – $2,000,000 | 3.25% APY |
Northpointe Bank Ultimate Savings Rate
- Account Type: Ultimate Savings Account
- Interest Rate: 3.25% APY
- Minimum Balance: $25,000
- Maximum Balance: $2,000,000
- Availability: Nationwide
- Credit Inquiry: Soft Pull
- Opening Deposit: $100
- Monthly Fee: None
- Early Termination Fee: None
(FDIC Insured)
Editor’s Note: You can fund your account with a credit card up to $100.
Northpointe Bank ACH Capabilities & Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | 2 – 3 business days | $25K | $250K | None |
| Pull | 2 – 3 business days | $25K | $250K | None |
Deposits In
- Mobile Check Deposit via our Mobile Banking App – transaction limits vary by account
- ACH in initiated via our External Transfer service within Online Banking – up to $25k per day & $250k per month
- ACH in initiated from your bank, credit union or PayPal/Venmo type service – no transaction limits
- Wire transfer in – no transaction limits
- Mail us a personal check, cashier’s check, or bill pay check – no transaction limits
Withdrawals Out
- ACH out initiated via our External Transfer service within Online Banking – up to $25k per day & $250k per month
- ACH out initiated from your bank, credit union or PayPal/Venmo type service – no transaction limits
- Wire transfer out (fee applies) – no transaction limits
- We can mail you cashier’s check via USPS delivery (fee applies) – no transaction limits
How to Earn Northpointe Bank Rate
- Sign-up for a Ultimate Savings Account with Northpointe Bank.
- There is no minimum opening deposit requirement but you will have to fund the account with at least $25,000 to earn the bank rate.
- Maintain a $25,000+ account balance and you will earn 3.25% APY.
Why You Should Sign Up For This Account
- Receive high earnings without paying back in monthly fees
- Funding accounts is made easy via bank transfers, mobile deposit, wire transfer or check
- Manage your accounts at your leisure from your computer, tablet or mobile device
- All deposits are FDIC insured to the maximum amount allowed by the law
Bottom Line
Definitely take a second look at the current promotional rate from Northpointe Bank! Not only are you able to take advantage of an industry leading rate, but the fact that the account triggers a soft pull definitely make this account worthwhile!
For those interested in bank promotions, definitely take a look at our list of HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank bonuses.
For more bank offers, see the complete list of Best Bank Rates!
Check back often to see the latest info on Northpointe Bank Ultimate Savings Account.
Got follow reply from CS about the interest. It looks like the Insight card or NetSpend.
“The Ultimate savings pays quarterly interest on the anniversary of your account opening”
Northpointe Bank also wants a picture uploaded into their online account app, in addition to requiring the DL #, issuance and expiration dates and state of issuance. A little overkill, I think. Now I wonder if they will also do a hard credit check, despite this site stating it does a soft credit pull. That would be a problem as I have a credit lock on my file; they then have all my personal data and I still have no account, as I’m not agreeable to lifting and returning my credit file to locked.