Checking Designed for Seniors 55 and Up
Earn Interest and Skip the Fees with PWCB’s Senior Checking
Enjoy straightforward, dependable banking with the 55+ Senior Checking Account at Points West Community Bank. Designed specifically for seniors, retirees, and customers age 55 and better, this interest-bearing checking account helps your money grow without monthly maintenance fees.
With the 55+ Checking Account, you get the convenience of digital banking access —including online and mobile tools — paired with the personal, hometown service you expect from a community bank that’s been here for generations. It’s checking that works the way you do: simple, secure, and built for this stage of life.
Why Choose PWCB’s Senior Checking?
Our 55+ Interest Checking is a senior bank account that’s available to customers age 55 and older. You can earn interest on your balance, with no monthly maintenance fees, and convenient access to your funds whenever you need them. Youll also receive friendly local service and the kind of support youd expect from a local community bank.
Senior Checking Account Features
The 55+ Senior Checking Account at Points West Community Bank is designed to make everyday banking simple, secure, and personal. Customers earn competitive interest, receive a free debit card, and enjoy a free first order of checks at account opening.
You’ll also have access to online and mobile banking, including online bill pay, mobile check deposit, and eStatements—making it easy to manage your account on your own time. And if you’d rather stop in and see a familiar face, our front-line team is always happy to help in person, whether you’re depositing a check, asking a question, or just catching up.
As with all Points West deposit accounts, your funds are FDIC-insured, so you can bank with confidence knowing your money is protected.
How to Open a Senior Checking Account
1. Visit your nearest Points West branch or contact us online to get started.
2. Verify your age and provide identification.
3. Set up digital banking and direct deposit.
4. Receive your debit card and begin earning interest.
Local Banking Across Colorado, Nebraska, and Wyoming
As a local banker, we proudly serve communities throughout the Front Range region of Colorado, including Fort Collins, Loveland, Greeley, Wellington, and Windsor. In Nebraska, we serve families and businesses across the Panhandle and central counties with locations in Sidney, Bridgeport, Fullerton, and beyond. Our Wyoming branches provide personalized service in key communities such as Torrington, Pine Bluffs, Douglas, and Lingle. Wherever you live across our tri-state region, you’ll find local banking with a personal touch.
Simple, Secure Checking for Life After 55
If you’re looking for a simple, straightforward interest checking account for seniors with all the tools of a modern checking account, please contact a local banker or open an account online to get started. You can also check out our blog for information on a wide range of business and financial topics.
Senior Checking FAQs
Our 55+ account is for anyone aged 55 or older.
The Points West Community Bank 55+ account is a free account, meaning there are no monthly service fees and no minimum balance.
Yes – customers earn competitive interest on their 55+ Interest Checking account with Points West Community Bank.
Yes — a debit card is included with the 55+ Interest Checking account.
Your Points West debit card features:
Tap-to-pay convenience
Compatibility with Apple Wallet and Google Wallet
Points West Community Bank has adopted the tap-to-pay debit cards to ensure our customers have the highest security when using their debit cards.
Yes – online banking is available for all accounts at Points West Community Bank, including the 55+ Interest Checking. If customers would rather, our front-line team is always happy to help in person, whether you’re depositing a check, asking a question, or just catching up.
At this time, 55+ Interest Checking accounts must be opened in person at your nearest Points West Community Bank location.
That said, you’re welcome to inquire about account opening online, and our team will be happy to guide you through next steps.
The 55+ Interest Checking includes full digital banking access, just like all Points West accounts.
Features include:
Online and mobile banking
Zelle®
Internal and external transfers
Online bill pay
Mobile check deposit
Real-time transaction and statement history
Account connections to QuickBooks and Quicken
And more
Everything you need to manage your money—clearly, securely, and on your schedule.
Yes – there is no charge for paper statements with the 55+ Interest Checking account.
Yes – all deposit accounts at Points West Community Bank are FDIC-insured, so you can bank with confidence knowing your money is protected.
Switching from our other accounts to the 55+ Interest Checking when you turn 55 is easy! Simply call your local branch and ask to switch your account too the senior checking. Our front-line staff will verify your identity and get the product switched without further action needed on the customer’s part.