Meet Point, a new challenger bank in the U.S. that has been available as a private beta for the past year. Today, the company is announcing new fundraising — later this month, the company is launching a major new version of its service and opening its doors to everyone. There’s a waitlist for now. Point is a consumer banking app combined with a debit card. The company wants to reproduce the experience of credit cards but with debit cards, thanks to rewards and a point-based system. There’s no credit check…