Checking made simple
Opening a checking account online provides the convenience you need to manage your money easily. With access to over 50 local branches and Digital Banking, you can do what you need and get back to enjoying your life.
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Stay connected with more control.
Digital access
Check account balances, transfer funds, pay bills and more, from anywhere.
57 local branches
Enjoy extra peace of mind with ongoing support from a local team that’s here when you need them.
Global ATMs
Use your free Visa® debit card1 to access over 40,000 surcharge-free ATMs.
Direct deposit
Automatically deposit your paycheck into your account every payday using your routing and account number.
Compare checking accounts
Best for:
Best for:
Minimum to open an account
Minimum to open an account
Minimum balance required
Minimum balance required
Monthly service fee (if min. balance requirement is not met)
Monthly service fee (if min. balance requirement is not met)
Digital banking access
Digital banking access
Send money with Zelle®
Send money with Zelle®
Cash withdrawals from any ATM3
Cash withdrawals from any ATM3
Tiered dividends
Tiered dividends
E-Statements
E-Statements
Interest checking
Best for:
Earning a little extra. You get all the features plus a monthly dividend.
Minimum to open an account
$0
Minimum balance required
$5002
Monthly service fee (if min. balance requirement is not met)
$72
Digital banking access
Send money with Zelle®
Cash withdrawals from any ATM3
Tiered dividends
E-Statements
OnPoint checking
Best for:
Simplicity of an everyday account with no fuss and no minimum balance requirements.
Minimum to open an account
$50
Minimum balance required
$0
Monthly service fee (if min. balance requirement is not met)
$0
Digital banking access
Send money with Zelle®
Cash withdrawals from any ATM3
Tiered dividends
E-Statements
Rates
Who can open a checking account with OnPoint Community Credit Union?
You’re eligible for membership if you meet any one of the following criteria:
Oregon
You live or work in any of the counties we serve, or you’re a family member of a person who is eligible for OnPoint membership. The 28 counties we serve in Oregon: Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler, or Yamhill.
Washington
You live, work or worship in any of the counties we serve, or you’re a family member of a person who is eligible for OnPoint membership. The 2 counties we serve in Washington: Clark and Skamania.
Open an account onlineWhat you'll need to apply online:
- Be a legal U.S. resident
- Be at least 18 years old (To open a youth membership, please visit an OnPoint branch.)
- Have a Social Security number
- Have a debit or credit card to fund your account(s)
- Have a government issued ID (Driver's License, State ID card, Passport. Permanent Resident Card, Military ID card)
A better banking experience with OnPoint digital banking.
OnPoint’s intuitive digital banking platform is designed to provide a seamless and user-friendly experience, making it effortless for you to manage your finances from anywhere with ease. Whether you’re accessing funds, transferring money, paying bills, or monitoring your accounts, our digital banking platform offers a straightforward interface that simplifies your financial tasks. With just a few clicks, you can navigate through various banking features and access the information you need, empowering you to stay in control of your financial well-being.
Open an account online
Digital banking features
- Account management & updates
- Person-to-person payments
- Finance manager
- Text & email alerts
- Secure account access
- Touch ID & face ID
- Customizable experience
- Mobile deposits
- Bill payments and digital transfers
- eStatements
Open your checking account today.
Open an account onlineDisclosures
- The first card is free, the first replacement each year is free, and subsequent card replacements will incur a $5 card replacement fee.
- If the minimum monthly average balance is met, the $7 monthly fee will be waived.
- Please be aware that while OnPoint will not charge ATM fees with Interest Checking, you may be assessed a surcharge by another financial institution.
- Please be aware that while OnPoint’s mobile banking services are free, your mobile carrier may assess text messaging and/or web access charges.
- To open a checking account, consumers need to qualify for membership. To learn more, read our Consumer Membership & Account Agreement.
If you request a substitute check, please read the Check 21 disclosure.
Click here to read the Truth in Savings Disclosures.
*By submitting this form, you agree to OnPoint’s collection and use of the information you provide in accordance with our privacy notice and online privacy policy available here. You also confirm that any information you submit is your own and that you are at least 18 years of age.
