Available nationwide, Northpointe Bank is offering a rate of 0.45% APY when you open an Ultimate Savings Account. To earn this generous rate, continue reading on below for more information!
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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.
I’ll review Northpointe Bank Ultimate Savings below.
Note: For those interested in bank promotions, definitely take a look at our list of HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, BBVA Bank or CIT Bank bonuses.
Northpointe Bank Ultimate Savings 0.45% Rate
To take advantage of the current promotional rate, simply meet the deposit requirement and you will be able to receive the 0.45% APY!
- Account Type: Ultimate Savings Account
- Interest Rate: 0.45% APY
- Minimum Balance: $5,000
- Maximum Balance: $2,000,000
- Availability: Nationwide
- Credit Inquiry: Soft Pull
- ChexSystems: Yes
- Opening Deposit: None
- Credit Card Funding: Up to $100
- Monthly Fee: None
- Early Termination Fee: None
(FDIC Insured)
American Express® High Yield Savings Account - You earn 0.50% interest rate along with no minimum deposits or monthly fees. Amex High Yield Savings account has been my favorite Hub account for the past 5 years. Using this account to Pull/Push your money is absolutely necessary when you have many accounts. Here's why: *No dollar limitations for ACH transfers - When you find a top bank rate account, you don't want to be limited to just $5K or $10K transfers. Amex Savings will let you transfers as much as you want whether you are pulling or pushing money from and to an external bank account. *1 to 2 business days ACH transfers speed - With top-notch user interface, you get your money to another external account or pull money from another bank account within a day or two. *No loss of interest during transfers - On the day you initiate your transaction on the high yield savings account website, the funds will be reflected in your Current Balance and begin earning interest. Some other features from American Express High Yield Savings Account include Free Wire Transfers, 3 maximum linked accounts, and maximum 6 ACH withdrawals per month. |
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Savings account offers are frequently updated. Find the best nationwide Savings/Money Market rates here, and the best Savings account bonuses here. The Axos Bank and CIT Bank accounts offer great rates available nationwide which I recommend. |
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| PROMOTIONAL LINK | OFFER | REVIEW |
| Aspiration | 1.00% APY + $100 Cash | Review |
| Axos My Savings Builder | Up to 0.70% APY | Review |
| Axos Bank High Yield Savings | 0.61% APY | Review |
| Axos Bank High Yield Money Market | 0.60% APY | Review |
| American Express High Yield Savings | 0.50% APY | Review |
| CIT Bank Money Market | 0.50% APY | Review |
| Discover Bank Online Savings | 0.50% APY | Review |
Northpointe Bank ACH Capabilities & Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | 2-3 days | ? | ? | |
| Pull | 2-3 days | ? | ? |
Editor’s Note: Help us with the table above in the comment section if you have experience with ACH capabilities.
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 $5,000 to earn the bank rate.
- Maintain a $5,000 account balance and you will earn 0.45% 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!
Let us know about your experience with this bank and comment below.
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.
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| HSBC Advance Checking Member FDIC | $200 Cash | Review |
| HSBC Advance Checking Member FDIC | Up To $240 | Review |
| Huntington 25 Checking | $500 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Wise Business Banking | $100 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Aspiration Spend & Save Account | $100 Cash | Review |
| American Express High Yield Savings | 0.50% APY | Review |
| CIT Bank Money Market | 0.50% APY | Review |
| Ally Invest | Up to $3,500 Cash | Review |
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.