Checking that checks all the boxes
Local checking, global access.
You deserve a checking account that fits your life. 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, whatever they may be.
Local banking, global access, and member-first service. At OnPoint, we know that:
People are the Point.
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
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.
Disclosures
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.
