Great checking starts with great features, like easy-to-use online access, and the potential to earn interest on your balance.

Whichever checking account you choose, you’ll enjoy surcharge-free access to more than 53,000 ATMs nationwide — plus, our mobile app lets you manage your account anytime, from anywhere.

 

Account Extras

Visa® Debit Card

Get cash from over 53,000 surcharge-free ATMs across the country and make purchases everywhere Visa is accepted.

Visa® Debit Card

Get cash from over 53,000 surcharge-free ATMs across the country and make purchases everywhere Visa is accepted.

Online Banking

Check account balances, transfer funds, pay bills and more anywhere that has Internet access.

Visa® Debit Card

Get cash from over 53,000 surcharge-free ATMs across the country and make purchases everywhere Visa is accepted.

Online Banking

Check account balances, transfer funds, pay bills and more anywhere that has Internet access.

Mobile Banking

24/7 access to your account information through mobile apps, web browsing or text messaging using your mobile phone or tablet.

Visa® Debit Card

Get cash from over 53,000 surcharge-free ATMs across the country and make purchases everywhere Visa is accepted.

Online Banking

Check account balances, transfer funds, pay bills and more anywhere that has Internet access.

Mobile Banking

24/7 access to your account information through mobile apps, web browsing or text messaging using your mobile phone or tablet.

eStatements

Access your monthly account statement online.

Visa® Debit Card

Get cash from over 53,000 surcharge-free ATMs across the country and make purchases everywhere Visa is accepted.

Online Banking

Check account balances, transfer funds, pay bills and more anywhere that has Internet access.

Mobile Banking

24/7 access to your account information through mobile apps, web browsing or text messaging using your mobile phone or tablet.

eStatements

Access your monthly account statement online.

Bill Payment

Pay monthly bills or make one-time payments without having to write a check.

Visa® Debit Card

Get cash from over 53,000 surcharge-free ATMs across the country and make purchases everywhere Visa is accepted.

Online Banking

Check account balances, transfer funds, pay bills and more anywhere that has Internet access.

Mobile Banking

24/7 access to your account information through mobile apps, web browsing or text messaging using your mobile phone or tablet.

eStatements

Access your monthly account statement online.

Bill Payment

Pay monthly bills or make one-time payments without having to write a check.

Telephone Teller

Access account information by phone anywhere in the world, 24 hours a day.

Visa® Debit Card

Get cash from over 53,000 surcharge-free ATMs across the country and make purchases everywhere Visa is accepted.

Online Banking

Check account balances, transfer funds, pay bills and more anywhere that has Internet access.

Mobile Banking

24/7 access to your account information through mobile apps, web browsing or text messaging using your mobile phone or tablet.

eStatements

Access your monthly account statement online.

Bill Payment

Pay monthly bills or make one-time payments without having to write a check.

Telephone Teller

Access account information by phone anywhere in the world, 24 hours a day.

Direct Deposit

Have your paycheck deposited into your account automatically every payday.

Visa® Debit Card

Get cash from over 53,000 surcharge-free ATMs across the country and make purchases everywhere Visa is accepted.

Online Banking

Check account balances, transfer funds, pay bills and more anywhere that has Internet access.

Mobile Banking

24/7 access to your account information through mobile apps, web browsing or text messaging using your mobile phone or tablet.

eStatements

Access your monthly account statement online.

Bill Payment

Pay monthly bills or make one-time payments without having to write a check.

Telephone Teller

Access account information by phone anywhere in the world, 24 hours a day.

Direct Deposit

Have your paycheck deposited into your account automatically every payday.

Global ATMs

Access to over 53,000 surcharge-free OnPoint, CO-OP and MoneyPass ATMs.

Rates

Checking Account Rates

  •  Rates Effective 03-01-2015
Deposit Amount Interest Rate Annual Percentage Yield Alert Me
Interest Checking $0 - $999.99 0.05% 0.05%
$1,000 - $4,999.99 0.05% 0.05%
$5,000 and higher 0.05% 0.05%
eChecking N/A N/A N/A
Basic Checking N/A N/A N/A
Access Account N/A N/A N/A

Frequently Asked Questions

Disclosures

1 Please be aware that while OnPoint will not charge ATM fees with Interest Checking, you may be assessed a surcharge by another financial institution.

2 If the minimum monthly average balance is not met, there will be a $7.00 monthly fee.

3 Monthly fee waived if under 18 years of age.

4 The fee for Bill Payment with Basic Checking is $3.95 per month (waived the first three months). Please note: Regulation D limitations apply to Online Banking transactions.

5 eStatements are free for Interest Checking, eChecking, Basic Checking, and Access Account. For eChecking, you must enroll in eStatements within the first 30 days of account opening or conversion. If you do not enroll, or if you subsequently discontinue eStatements after commitment, the account will convert to Basic Checking and will be subject to all applicable fees and service charges.

If you request a substitute check, please read the Check 21 disclosure.

Click here to read the Truth in Savings Disclosures.