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Personal Deposit Accounts

Personalized Banking that puts your money to work in every way possible


Every dollar makes a difference in your financial future. That's why RockPointBank has designed accounts that give your finances an extra edge. Manage your money on the go with mobile banking, make secure online bill payments, and use your debit card with ease. Whether you’re building a rainy day fund or looking for a high-yield savings option, our FDIC-insured deposits ensure your money stays protected while it grows.

Life can be complicated. A good checking account with a local bank can make things a little easier. Our digital tools give you 24/7 access to your money, and debit card to make the perfect shopping companion.

  • Online banking with electronic Bill Pay
  • Mobile app allows you to deposit checks from anywhere
  • Electronic statements put financial data at your fingertips
  • Debit card for in-store and online purchases
  • Unlimited foreign ATM fees waived per month
It's the account that multitasks. Peak Checking gives you the freedom to manage money any way you choose, plus pays you interest just like a savings account.

  • Earn interest on checking balances
  • Tiered interest rates reward bigger balances
  • Checks
  • Online banking with Bill Pay
  • Mobile app allows check deposits from anywhere
  • Debit card for in-store and online purchases
  • Electronic statements put financial data at your fingertips
  • Unlimited foreign ATM fees waived per month
  • Avoid monthly service charge by maintaining a minimum balance
Start small and dream big. As your account balance grows, you can earn a higher interest rate and make even faster progress toward your financial goals.

  • Earn competitive interest
  • Tiered interest rates reward bigger balances
  • Access funds via online banking and mobile app
  • Electronic statements put financial data at your fingertips
  • Avoid monthly service by maintaining minimum balance
Everyone's in the market for something extra. You'll find that here. Money Market accounts pay higher rates while keeping your hard-earned funds safe and secure.

  • Pays higher rates than most traditional savings accounts
  • Tiered interest rates reward bigger balances
  • Access funds via online banking and mobile app
  • Electronic statements
  • Avoid monthly service charge by maintaining a minimum balance
Looking for the best of all worlds? Our Peak Money Market features exceptional rates and - unlike some investments - provides you with immediate access to your funds.

  • Our highest tiered interest rates
  • Access funds via online banking and mobile app
  • Electronic statements
  • Monthly service charge can be avoided by maintaining a minimum balance
It's a flexible way to grow your money. Save for six months, five years, or somewhere in between - and find your patience rewarded with higher returns.

  • Choose from a wide range of savings periods
  • Interest rates exceed those of most traditional savings accounts
  • In general, longer term CDs pay higher rates
  • Track savings progress through online banking or mobile app










To open your account, please contact us or visit our local branch.

RockPointBank is a full-service financial institution headquartered in Chattanooga, Tennessee.