Waypoint
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Member-owned since 2010

Banking that stays grounded.

Waypoint is a community bank built for people who want their money handled plainly — clear balances, fair rates, and a person who picks up the phone.

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Your financial journey
Four stops, one plan
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What you can do here

A small set of products, each one built to be understood in under a minute.

Checking & Savings

No minimum balance, no monthly fee, and a savings rate that doesn't require a phone call to negotiate.

Open an account

Personal loans

Fixed-rate loans for the things that come up — a car, a repair, a move. Answers within one business day.

See rates

Small business banking

Business checking with same-day transfers and a banker who knows your account by name, not ticket number.

Get started

Cards

A debit card and a low-interest credit card, both manageable from the same dashboard — freeze, track, done.

Compare cards

Fifteen years of staying put

We haven't chased growth for its own sake. We've stayed a bank you can actually reach.

2010Chartered and opened our first branch
62,000+Member accounts held today
4.2 minAverage wait time to reach a banker

Open an account in about ten minutes.

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Personal banking

Checking, savings, and loans for everyday life — built to be understood in under a minute, not buried in fine print.

Everyday Checking

No minimum balance, no monthly fee, and a debit card you can freeze instantly from the app if it's ever lost.

Open an account

Foundation Savings

A savings rate that doesn't require a phone call to negotiate, with interest paid monthly and no withdrawal penalties.

Open an account

Personal loans

Fixed-rate loans for the things that come up — a car, a repair, a move. Decisions within one business day.

Ask a banker

Debit & credit cards

A debit card and a low-interest rewards credit card, both manageable from the same dashboard — freeze, track, done.

Open an account

Business banking

Banking for small and growing businesses, with a banker who knows your account by name, not ticket number.

Business checking

Same-day transfers, no surprise fees, and a dashboard built for tracking cash flow at a glance.

Get started

Business loans & lines of credit

Working capital, equipment financing, and lines of credit sized to your business, with terms a human can explain.

Talk to a banker

Merchant & payroll services

Accept payments and run payroll without juggling three different vendors — it's bundled into your business account.

Learn more

Dedicated support

Every business account is paired with a banker at your local branch who answers the phone and knows your history.

Meet your banker

Open an account

Takes about two minutes to apply. You'll finish verification after you submit.

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About Waypoint

Waypoint started as a single branch and a simple idea: a bank should be easy to understand and easy to reach. Fifteen years later, that's still the whole plan.

Our story

We opened our doors in 2010 as a member-owned institution, chartered to serve people the larger banks had stopped calling back. We've grown, but we've kept the branch-level decision-making that got us here.

How we operate

Deposits stay local. Loan decisions are made by people who can explain them. We publish our rates and fees in plain language, and we'd rather lose a sale than bury a condition in fine print.

Community

A share of Waypoint's annual earnings goes back into local grants and financial-literacy programs in the neighborhoods we serve.

Frequently asked questions

The things people ask us most, answered plainly.

How do I open an account?

Start online in about ten minutes — you'll need a government ID, your Social Security number, and an opening deposit. You can also open an account in person at any branch.

Are there monthly fees?

Everyday Checking and Foundation Savings have no monthly maintenance fee and no minimum balance requirement.

How do I deposit a check from my phone?

Log in to online banking, choose an account, and use mobile deposit to photograph the front and back of an endorsed check. Funds are typically available within one business day.

What do I do if my card is lost or stolen?

Freeze it immediately from the Cards page in online banking, then contact us to order a replacement. Freezing blocks new purchases right away.

How is my money protected?

Deposits are insured up to the standard federal limit, and your online banking session is encrypted end to end. See our Security page for more detail.

Can I transfer money between my accounts instantly?

Yes — transfers between your own Waypoint accounts post immediately, any time of day.

How do I close an account?

Contact a banker by phone or visit a branch. We ask that the balance be zeroed out or transferred first.

Who do I contact for help?

Reach our member support team by phone during business hours, or send a secure message from inside online banking.

Terms of Service

Last updated January 2026

1. Acceptance of terms

By accessing Waypoint online banking, you agree to these terms and to the account agreement provided when you opened your account.

2. Eligibility

Accounts are available to individuals who meet our membership and identity-verification requirements at the time of opening.

3. Accounts and fees

Applicable fees, if any, are disclosed at account opening and in your account's fee schedule. We'll notify you in advance of any change.

4. Online banking access

You're responsible for keeping your login credentials confidential and for any activity conducted using them, except where law provides otherwise.

5. Limitation of liability

Waypoint is not liable for losses caused by circumstances beyond our reasonable control, including service interruptions or unauthorized access resulting from your failure to safeguard your credentials.

6. Changes to these terms

We may update these terms from time to time. Continued use of online banking after a change constitutes acceptance of the revised terms.

7. Governing law

These terms are governed by the laws of the state in which Waypoint is chartered.

Privacy Policy

Last updated January 2026

Information we collect

We collect the information you give us when you open or use an account — name, contact details, identification, and transaction activity.

How we use it

We use your information to open and service your accounts, process transactions, meet legal requirements, and improve online banking.

Sharing

We don't sell your personal information. We share it only with service providers who help us operate your accounts, and as required by law.

Security

Account information is encrypted in transit and access is monitored for unusual activity. See our Security page for details on how to protect your own account.

Your choices

You can review and update your contact preferences at any time by contacting member support.

Contact us

Questions about this policy can be directed to our member support team at support@waypointcom.online.

Security

How we help keep your accounts safe, and how you can too.

Encryption and monitoring

All online banking sessions are encrypted, and account activity is continuously monitored for patterns that suggest fraud.

Card controls

You can freeze a debit or credit card instantly from the Cards page if it's ever lost, stolen, or misplaced — no call required.

Account alerts

Enable alerts for large transactions, low balances, and new sign-ins so you notice anything unexpected right away.

Recognizing phishing

Waypoint will never ask for your full password or one-time passcode by phone, text, or email. If you receive a message asking for either, don't respond — contact us directly instead.

Report something suspicious

If you suspect fraud on your account, freeze your cards from the Cards page and contact member support right away.

Contact us

Reach a real person, not a phone tree.

Send a message
Thanks — a member of our team will get back to you within one business day.
Other ways to reach us
Phone(240) 242-7078
Member support hoursMon–Fri, 8am–7pm ET
Emailsupport@waypointcom.online
Lost or stolen cardFreeze it instantly from the Cards page, any time.

Staff sign-in

Admin access only.

Incorrect username or password.
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