Checking that checks all the boxes
Local checking, global access.
You deserve a checking account that checks all the boxes. With robust digital banking tools, access to 40,000+ ATMs nationwide, and the convenience of a Tap to Pay debit card, your OnPoint checking account has everything you need to meet your goals, wherever you go.
It’s your life, your account, your money. At OnPoint, we know that:
People are the Point.
Checking made simple.
58 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 Visa® debit card 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.
Person-to-person
Send money simply and securely to your family and friends.
No hidden costs. No surprises.
Whether you’re planning for your next big trip, a move, or any other new stage in life, your OnPoint debit card and checking account are there for you.
- No hidden costs. Simple and straightforward, the way it should be.
- Worry-free checking, your way.
- Keep as much money in your account as you like―we won’t charge you for dipping under a required minimum.
- Conveniently manage your money, wherever your life takes you (using digital and mobile banking).
- Add your debit card to your Digital Wallet (Apple Pay, Google Pay, Samsung Pay) for contactless payments―never worry about leaving your card at home.
- Check account balances, transfer funds to almost anyone using Zelle®*, pay bills, use mobile deposit, set up and manage overdraft protection, or link to accounts at other financial institutions.
Open Your OnPoint Checking Account in Minutes
Opening a checking account with OnPoint is quick, easy, and built around your needs. Enjoy the local service you trust—and check better checking off your list today.
Easy online account opening
Opening an OnPoint checking account is simple and straightforward.
- Log in to Digital Banking
- Select “Services”
- Select “Open Account”
You can also schedule an appointment at your local branch to open an account in person.
With the local banking experience and member-first service you’ve come to expect from us, you can check better checking off your wishlist.
Set your teens up for success.
Learning to save and budget is foundational to your teen’s financial well-being. Whether they’re handling an allowance or managing income from a summer job, a checking account can be a great way to learn to manage their finances.
Help your teen take control of their financial future.
Help your teen build smart money habits early with a checking account made for their needs. It’s a simple way to introduce budgeting, saving, and responsible spending—with real-world experience that sets the stage for long-term success.
With mobile banking, account alerts, and parental access, they can explore financial independence in a safe, supportive environment while you stay connected along the way.
Request an appointment at a local branch
How to get started
- A parent or legal guardian must be present to open the account.
- Teens 13–17 can open an OnPoint Checking or Interest Checking account.
- Minor accounts come with lower card limits for added safety.
- Schedule an appointment or stop by any OnPoint branch to open an account together.
Make checking more rewarding with OnPoint Rewards.
Get even more out of your membership. When you make at least six transactions per month with your OnPoint checking account, you’ll qualify for OnPoint Rewards, which includes:
Higher deposit rates.
- Access to greater earnings with Loyalty Savings and Premium Savings.
- 0.25% APY increase on any published CD rate1
Loan perks.
- 0.25% off consumer fixed APR loans.2
- Access to 2% cash back with the OnPoint Signature Visa® Cash Back credit card.
Lower closing costs.
- Up to $175 off a Home Equity Line of Credit.3
- Up to $800 off the closing costs of a mortgage purchase or refinance.4
FAQs
Our OnPoint Checking account offers the convenience of no minimum balance!
OnPoint members can add checking and savings accounts to an existing membership in Digital Banking.
Depending on the type of account you choose to open, you also have the option to request additional services such as:
- Visa Debit Cards
- Checks
- Overdraft Protection
- Telephone Teller
- Member to Member Transfers
- Direct Deposit
- And more!
To get started, simply login to Digital Banking. Select Services from the main menu and then click Add Accounts.
- Log in to Digital Banking.
- Select the desired account, such as your checking account.
- Click the Details & Settings heading to view additional account information.
- Within the Details & Settings section, you will see additional information about the account including the account number, routing number and YTD interest/dividends earned (if applicable).
- The third item in the list, Full Account Number, is the account number you'll need for electronic transactions such as direct deposit.
When you enroll with Zelle through online banking or on your OnPoint Mobile app, your name, the name of your credit union (OnPoint), and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared).
When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies OnPoint Community Credit Union of the incoming payment. OnPoint then directs the payment into your checking account, all while keeping your sensitive account details private.
You can have one debit card, in your name, per checking or similar transactional account (such as a FlexSmart Money Market account).
Open an account online.
Get startedDisclosures
All OnPoint loans are subject to credit terms and approval. Benefits of OnPoint Rewards apply to promotional pricing. OnPoint Rewards available upon request.
- APY=Annual Percentage Yield. OnPoint Community Credit Union will add 0.25% to Certificate of Deposit (CD) rates. This offer is only available when a new CD account is opened.
- OnPoint Community Credit Union will take 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes mortgage products, variable rate products, Payday Advantage loans and the refinance of existing OnPoint loans.
- OnPoint Community Credit Union will waive up to $175 off closing costs on any new EquityFlex Line of Credit product.
- OnPoint Community Credit Union will waive up to $800 off the closing costs on any new first mortgage purchase or refinance. This offer applies to all OnPoint Mortgage standard products and cannot be used in combination with any other OnPoint Mortgage promotional offers. Offer subject to change.
*Must have a bank account in the U.S. to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. View Zelle terms of service.
To open a checking account, consumers need to qualify for membership. To learn more, read our Membership & Account Agreement
*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.
