Business digital banking

The person or company to whom you are sending funds is known as the biller. A biller can be almost any company or person to whom you would send a written check, such as a utility company, a cable TV provider, or even a relative. It may be convenient to set up an automatic payment for a biller so there isn't a need for repeating the same scheduling process each month.

1. Log into Digital Banking and navigate to Bill Payment from the Payments & Transfers tab.
2. You will see your billers listed in the Payment Center.
3. Click the button at the top of the page to Add a Company or Person.
4. Click the name of the biller to see or change their information, such as their address, telephone number, and recent payments.

If you don't activate your Touch ID, Face ID or fingerprint login from the Login Screen you still have the option to activate it within our digital banking app.

1. Sign in to OnPoint's Digital Banking mobile app and tap the Menu button. In the Settings tab, tap Security Preferences.
2. Toggle the Touch ID/Face ID or Fingerprint Login switch from "Off" to "On."
3. Review the information about using fingerprint authentication and tap the Continue button.
4. Enter your login ID and password and tap the Authorize button.

Note: You must have Touch ID/Face ID or Fingerprint enabled on your mobile device before enabling it through our Digital Banking mobile app.

From the main menu, select Log Off, which is the final menu item. On mobile, select the Menu button to display menu options and select Log Off.

If you forget to log off before closing the browser window or navigating to a different website, the system will time out. However, it is still best practice to log off and close all internet browsers before navigating to another website or attempting to sign back in. This is also the best practice when accessing Digital Banking through our mobile app.

If you are unable to sign back into Online Banking or need further assistance, please contact us at 503.228.7077 or 800.527.3932 (M-F 7 a.m. to 7 p.m., Sat. 9:00 a.m. to 3:00 p.m.)

You can disable Touch ID or Face ID if you no longer prefer to utilize them.

1. Sign in to OnPoint's Digital Banking mobile app and tap the Menu button. In the Settings tab, tap Security Preferences.
2. Toggle the Touch ID/Face ID or Fingerprint Login switch from "On" to "Off"
3. Tap the Yes button to disable the feature.

For best performance when accessing Digital Banking, we recommend you use one of the supported browsers listed here. While other browsers may work, these supported browsers provide the highest level of security, accuracy, and functionality. We also recommend that you enable JavaScript and pop-up windows in your browser for certain features to function properly.

If you wish to change your mobile banking Login ID, you will also be changing your online banking Login ID as they are the same. To change your Login ID, log into Digital Banking and select Settings from the main menu. Select Security Preferences, then select Change Login ID and choose your new Login ID. Note: your Login ID must be between 8 and 32 characters long.

If you don't remember your Login ID or if you are locked out of your account, please call us at 503.228.7077 or 800.527.3932 or visit your nearest branch.

Yes! It's a great idea to regularly update your password. To change your Digital Banking password, follow the steps below:

• Login to Digital Banking
• Select Settings from the main menu
• Select Security Preferences
• Click Change Password
• Complete the fields to change your password

If you are locked out of Digital Banking, please contact us at 503.228.7077 or 800.527.3932 (M-F 7 a.m. to 7 p.m., Sat. 9:00 a.m. to 3:00 p.m.) for assistance.

Lockouts occur following 5 failed login attempts.

Yes! If you have a friend or relative who is also a member of OnPoint, the Member to Member transfer option within Digital Banking allows you to send them money instantly. By using their account number and account type, and verifying their email address on file, you can send them electronic payments and link their account for future deposits. Please note they must themselves be registered for Digital Banking.

Additionally, you can send and receive money with friends, family and others you trust who aren't OnPoint members by using Zelle® in OnPoint's Digital Banking. (Note: you must have a bank account in the U.S. to use Zelle.)

Make a Member to Member transfer today!

• Log into Digital Banking
• Select Payments & Transfers from the main menu
• Click Member to Member

If you would like to remove an external account (loan, credit card, or deposit account) that you previously linked from another bank or credit union within your OnPoint Digital Banking profile, complete the following steps:

1. Log into Digital Banking.
2. Select Settings from the main menu (left-hand side).
3. Select Account Preferences.
4. Tap on the account you would like to remove to expand the details.
5. Click the Remove link. (Note: The "Remove" link will only appear on accounts you linked from other external financial institutions.)
6. Confirm you want to remove this account by clicking the Yes, remove button.

To change an account nickname directly from the home page, follow the steps below:

1. Click the three-dot icon on the right side of an account card and select Nickname Account.
2. Enter a new account nickname.
3. Click the Save button when you are finished.

Click these links to enroll now or learn more!

Please visit your nearest branch or call us at 800.527.3932 if you need to make changes to your contact information.

Before you can log into OnPoint's Mobile Banking app, you will need to be enrolled in Digital Banking.

Note: Your login credentials are the same for Mobile Banking and Online Banking.

There are multiple ways you can access your account balance:

• Digital Banking
  View your account balances and recent transaction history using Digital Banking. To get started, simply log in to Digital Banking. Once you've logged in, your account balances will be displayed. To check your transaction history, click the account name.
• ATM
  Visit any ATM and when prompted, select Balance Inquiry.
• Text Banking
  You can text commands such as "BAL" and "HIST" to 226563 to request your account balance, transaction history and even transfer funds between accounts.
  Please note: Text banking requires enrollment in Digital Banking. You can set up Text Banking within Digital Banking by selecting Settings from the main menu, then Text Banking Enrollment. Toggle the Text Banking Enrollment switch from "Off" to "On" and follow the remaining prompts.

Instructions for connecting to QuickBooks and Quicken can differ based on your operating system and the version of QuickBooks or Quicken you're using. QuickBooks - Windows QuickBooks for Windows - Direct Connect QuickBooks for Windows - Direct Connect to Web Connect QuickBooks - MacQuickBooks for Mac - Direct Connect QuickBooks for Mac - Direct Connect to Web Connect QuickBooks for Mac - Web Connect Quicken - Windows Quicken for Windows - Direct Connect Quicken for Windows - Express Web Connect to Direct Connect Quicken for Windows - Express Web Connect Quicken for Windows - Web Connect Quicken - Mac (2015-present) Quicken for Mac (2015-present) - Direct Connect Quicken for Mac (2015-present) - Express Web Connect to Direct Connect Quicken for Mac (2015-present) - Express Web Connect Quicken for Mac (2015-present) - Web Connect

The Login button appears at the top right corner of every OnPoint web page.

Click the Login button to expand the field and enter your login ID and password.

Not enrolled in Online Banking?

With our digital banking solutions, you have full access to your accounts anytime, anywhere, 24/7! It's safe, secure, and simple! Benefits include:

• Enhanced Security
• Quick Transfers
• Customized Experience
• Email Alerts
• and more!

Note: To enroll in Digital Banking, you'll need your member number. You can find this at the top of your monthly statement. If you don't know your member number and don't have a monthly statement, please give us a call at 503.228.7077 or 800.527.3932 for assistance.

You can enroll in Digital Banking by clicking here and following the prompts on the screen.

Your accounts at other financial institutions can be linked to Digital Banking with OnPoint so you can transfer money between two banks without having to go to multiple sites! When you add another account, you are asked to verify your ownership of that account by confirming two small deposits OnPoint makes into the external account.

1. In the Payments & Transfers tab, click Add External Account.
2. Enter the account number.
3. Select the type of account using the "Account Type" drop-down.
4. Enter the financial institutions routing number. These numbers are located at the bottom of a paper check or deposit slip from your checkbook.
5. Click the Continue button.

In two to three business days, 2 small deposits will appear in your external account. Once you have received those deposits, select the Verify External Account tab to complete the process.

As soon as OnPoint makes two small deposits of less than one dollar into your external account, you are asked to verify those amounts within Digital Banking. Once they are confirmed, you can begin transferring money with the external account.

1. In the Payments & Transfers tab, click Verify External Account.
2. Select the account you would like to verify.
3. Enter the amounts of the two small deposits which have been made into your external account.
4. Click the Continue button when you are finished.

When you need to make a one-time or recurring transfer between your personal OnPoint accounts, you can use the Funds Transfer feature. These transactions process immediately, so your money is always where you need it to be.

1. In the Payments & Transfers tab, click Account Transfer.
   
2. Select the accounts to transfer funds between using the "To" and "From" drop-downs.
   
3. Enter the amount to transfer.
   
4. (On-Time Transfer Only) Enter the date to process the transaction.
   
5. If you would like to set up a recurring transfer, follow the steps below:
   
   1. Enter a start date for this transaction using the calendar feature.
   2. Decide if the transfer will repeat forever or have an end date.
6. (Optional) Enter a memo.
   
7. Click the Transfer Funds button when you are finished.
   

Note: You can view, edit, or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center.

If you're ever in a rush, the Quick Transfer option provides you with a simple way to move money from one account to another:

1. Click the three-dot icon right side of an account card and select Quick Transfer.
2. Select the "To" drop-down and choose an account to receive the funds.
3. Enter an amount to transfer.
4. (Optional) Click the Advanced Options button to be redirected to the Funds Transfer feature.
5. Click the Transfer Funds button when you are finished.

You can transfer to OnPoint accounts for which you are a primary or joint owner or have a member to member transfer established. You can also establish transfers to an account at another institution on which you are an owner.

To send money to another Member of OnPoint with Member to Member transfers:

• Log into Digital Banking and select Payments & Transfers from the main menu.
• Select Member to Member.
• Click the Link Account button.
• Enter the other member's Member Number, their account or loan number and the first three letters of their last name.

To establish transfers to your accounts at another institution:

• Log into Digital Banking and select Payments & Transfers from the main menu.
• Click Add External Account.
• Enter the account number.
• Select the type of account using "Account Type" drop-down.
• Enter the financial institution's routing number. These numbers are located at the bottom of a paper check or deposit slip from your check book.
• Click the Continue button.
• In two to three business days, two small deposits will appear in your external account. Once you receive those deposits, select the Verify External Account tab to complete the process.

Your accounts at other financial institutions can be linked to Digital Banking with OnPoint so you can transfer money between two banks without having to go to multiple sites! When you add another account, you are asked to verify your ownership of that account by confirming two small deposits OnPoint makes into the external account.

Add your personal external account

1. Click Add External Account from the Payments & Transfers tab.
2. Enter the account number.
3. Select the type of account using the "Account Type" drop-down.
4. Enter the financial institution's routing number. These numbers are located at the bottom of a paper check or deposit slip from your check book.
5. Click the Continue button.

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As soon as OnPoint makes two small deposits of less than one dollar into your external account, you are asked to verify those amounts within Digital Banking. Once they are confirmed, you can begin transferring money with the external account.

Verify your personal external account

1. Click Verify External Account from the Payments & Transfers tab.
2. Select the account you would like to verify.
3. Enter the amounts of the two small deposits which have been made into your external account.
4. Click the Continue button when you are finished.

Once your external account has been added and verify, you can begin making transfers to this account.

Transfer between your OnPoint account an account at another financial institution

1. Click Account Transfer from the Payments & Transfers tab.
2. Select the accounts to transfer funds between using the "To" and "From" drop-downs.
3. Enter the amount to transfer.
4. (One-Time Transfer Only) Enter the date to process the transaction.
5. If you would like to set up a recurring transfer, enter a start date for this transaction using the calendar feature and decide if the transfer will repeat forever or have an end date.
6. Click the Transfer Funds button when you are finished.

Funds transferred via mobile banking are made available immediately. Transactions performed after 7:00 p.m. PST are immediately available but may show a post date of the next business day.

You can set up the following alerts in Digital Banking:

• Account Balance Alerts
• History Alerts
• Online Transaction Alerts

Set up your alerts today!

• Log into Digital Banking.
• In the Settings tab, click Alerts.
• Use the "New Alert" drop-down and select "Account Alert."
• Use the drop-down to select an account.
• Choose an account balance type.
• Select a comparison.
• Enter an amount.
• Select a delivery method and enter the corresponding information.
• Click the Create Alert button when you are finished.

Your Security is Top Priority

Your account number is sensitive information! OnPoint is dedicated to keeping your information private. Explore our resources to help you keep your finances secure:

• OnPoint Guide to Personal Cybersecurity
• Staying Safe While Mobile Banking
• 9 Security Tips for Staying Safe Online
• 3 Ways to Protect Yourself Against Scams

Visit our Security Center for more information on our digital system security, preventing fraud, identity theft protection, and more!

Follow the steps below:

• Log into Digital Banking.
• In the Settings tab, click Alerts.
• Use the "New Alert" drop-down and select "Account Alert."
• Use the drop-down to select an account.
• Choose an account balance type.
• Select a comparison.
• Enter an amount.
• Select a delivery method and enter the corresponding information.
• Click the Create Alert button when you are finished.

Your Security is Top Priority

Your account number is sensitive information! OnPoint is dedicated to keeping your information private. Explore our resources to help you keep your finances secure:

• OnPoint Guide to Personal Cybersecurity
• Staying Safe While Mobile Banking
• 9 Security Tips for Staying Safe Online
• 3 Ways to Protect Yourself Against Scams

Visit our Security Center for more information on our digital system security, preventing fraud, identity theft protection, and more!

Follow the steps below:

• Log into Digital Banking.
• In the Settings tab, click the Account Preferences option.
• Select the up or down arrows on the right side to change the order that your accounts appear in.
• Use the Visibility switch to toggle whether or not your account is visible on the Home page.
• Click the pencil icon to change the nickname of a group or an account. Make your changes and click the check mark to save it.
• Click the Nickname Account button to change the Online Display Name of an account. Make your changes and click the check mark to save it.
• Use the "Current Account Group" drop-down to change the group the account is in.

All transactions initiated through Digital Banking or through our app appears in the Activity Center. All single and recurring transactions, as well as deposited checks and stop payments, show in the Activity Center.

• Click an appropriate tab at the top to view Single Transactions, Recurring Transactions, or Deposited Checks.
• Use the search bar to find transactions within that account.
• Print the Activity Center page by clicking the Print icon. Export your transactions into a different format by clicking the Format icon. (Available on desktop only)
• Click the down arrow icon next to the Created Date, Status, Transaction Type, Account, or Amount columns to sort transactions.
• Click on a transaction to view more details.
• Click the "three-dot" icon to perform additional functions.

To locate a branch or ATM location, follow the steps below:

• In the Services tab, select Locations and ATMs.
  
• You can locate an OnPoint branch, surcharge-free ATM, or deposit-taking ATM by checking the appropriate box.
  
  • The search bar allows you to find your results within a specific location.
  • Branches and ATMs are marked on the map within their specific locations.
• Click a branch for additional information.
  

The Activity Center shows transactions initiated within Digital Banking. Only pending transactions not yet posted to your account within the Activity Center can be edited or canceled and you may edit an OnPoint account to account transfer or an External Transfer only. The edit feature is not available for loan payment.

1. Click the Activity Center tab.
2. Browse through your pending transactions and locate the transaction you would like to edit.
3. Click the three-dot icon and click "Edit."
4. Make the necessary edits and then click the Transfer Funds button when you are finished.

Note: If you edit a recurring transaction in the Single Transaction tab, you will only edit that single occurrence. To edit an entire series, you must visit the Recurring Transactions tab in the Activity Tab.

The Activity Center shows all pending transactions that have not posted to your account. You can also cancel pending transactions up until their process date.

1. Log into Digital Banking and click the Activity Center link from the main menu.
2. Browse through your pending transactions and check the box for each transaction you want to cancel. Alternatively, check the box between Amount and Actions to select all transactions.
3. Click the three-dot icon and click "Cancel Selected"
4. Click the Confirm button when you are finished. The status then changes to "Canceled" on the Activity Center page.

Note: If you cancel a recurring transaction in the Single Transaction tab, you will only cancel that single occurrence. To cancel an entire series, you must visit the Recurring Transactions tab in the Activity Tab.

After logging in, you are taken directly to the Home page. This page is divided into three convenient sections to help you navigate to every feature within Digital Banking. Here you can view the balances in both your linked and OnPoint accounts, see your account summaries, and more!

• The navigation bar appears in every view on the left side of the screen. You can navigate to Digital Banking features by selecting the appropriate drop-down tab.
• Your OnPoint accounts and linked external accounts are displayed in an account card with its balance.
• If you click an account name, you are taken to the Account Details page. You can also click the three-dot icon on the right side of an account card and select View Activity for more details.
• The Print icon allows you to print a summary of the current available funds in your accounts (not available in mobile).
• You can expand or collapse account details groups by click the up-arrow icon.
• If you click and hold an account card, you can drag and drop it to a new location to change the order in which your accounts appear.
• The Quick Actions links in the top right corner let you quickly access different Digital Banking features.

Instead of typing in someone's information every time you send them money, you can conveniently send money to another OnPoint member by linking their OnPoint account within Digital Banking. This only allows you to make future deposits.

1. In the Payments & Transfers tab, click Member to Member.
2. Click the Link Account button.
3. Enter the Recipient's account number.
4. Enter the Recipient's account type.
5. Enter the Recipient's email address (must be on-file with OnPoint).
6. Enter the first 3 letters of the Recipient's last name.
7. Click Submit when you are finished.

The heart of Digital Banking is the ability to transfer funds on the go. Whether you are transferring money between your accounts or sending money to someone outside of OnPoint, there are various features that help you transfer funds in different ways.

• Funds Transfers: Move money between your personal OnPoint accounts.
• Loan Payment: Make single or recurring payments to your OnPoint loans.
• Member to Member: Move money to another OnPoint member's accounts.
• External Transfer (After adding and verifying external accounts): Move money after linking your external accounts.
• Bill Payments: Bill Payment is a fast and easy way to pay your bills online. There's no need to worry about putting checks in the mail or the cost of postage.

The names of existing groups can be edited in just two easy steps:

1. Click the pencil icon to edit your group nickname.
2. Enter a new name and click the check mark when you are finished.

Selecting an OnPoint account on the Home page takes you to the Account Details page, where you can view every transaction pertaining to that account. From here, you can view details such as type and category of a transaction, check images, and account balances so you stay organized and on top of your finances.

You can organize your internal and linked accounts into groups so the home page appears in a way that is convenient for you. These groups can always be changed or deleted to meet your needs.

1. Create a new group by clicking and holding an account tile, then dragging and dropping it to the "inbox" pop-up icon.
2. Create a group nickname and click the check mark when you are finished.

For our Online Banking terms and conditions see our Online Banking Service Agreement.

To learn more about your OnPoint membership, see our Membership and Account Agreement.

OnPoint's Mobile Banking app can be found in the iTunes app store for Apple devices (iPhone and iPad) and Google Play for Android devices. Simply search for OnPoint Mobile Banking.

You must be enrolled in Digital Banking to use Mobile Banking.

Yes, the image of checks deposited through Mobile Deposit will appear within your transaction details.

To view a deposited check, select the account in which the check was deposited. Select the transaction to expand transaction details. The check image will appear within the transaction details.

You can also view Mobile Deposit check images by selecting Activity Center from the main menu, then selecting the Deposited Checks tab.

Yes, any owner of any account - even a joint owner - can enroll in Digital Banking and have access to their own customized login for Online and Mobile Banking. To get started, enroll in Digital Banking then download the OnPoint Mobile app!

You can complete the following transactions and more using Digital Banking.

• Review account balance and transaction history for your deposit and loan accounts.
• Review information on your loan account including payoff amounts, due dates, and balance information.
• Send and receive money with friends, family and others you trust¹ using Zelle^® in OnPoint's Digital Banking.
• Transfer funds between your savings, checking and loan accounts
• Transfer funds to accounts of other members using Member to Member transfer.
• Transfer funds between your accounts at OnPoint and your accounts at other financial institutions.
• Export account information to Quicken®and Quickbooks®.
• Use Bill Payment to pay monthly bills from your checking account to make one time payments, or schedule recurring payments, and check on previous payments for up to 24 months.

To cancel all payments that you've scheduled to be paid automatically, click the AutoPay link under the billing company and choose Stop AutoPay or Change AutoPay Options.

You can pay almost anyone in the U.S. with Bill Payment – from your babysitter to the phone company, to VISA, etc. (Note: Tax payments cannot be made with OnPoint's Bill Payment service.) Depending on the type of payment your payee accepts, your bills will be sent either electronically or by check. The remittance type (electronic or check) for each payee is automatically determined when you set up your payee list in Digital Banking.

Want to sign up for Bill Payment today? Simply sign in to Digital Banking and select Payments & Transfers from the main menu. Then select Bill Payment to get started!

Payments by check:

• Contact us at 503.228.7077 or 800.527.3932 (M-F 7 a.m. to 7 p.m., Sat. 9:00 a.m. to 3:00 p.m.) to place a stop payment.
• See our Fee Schedule for our current Stop Payment fee. This fee will not be assessed if Bill Payment services is responsible for the error.

Electronic Payments:

• Stop payments cannot be placed on electronic payments once they have been sent.

You can register for Bill Payment while you are in Digital Banking. Simply select Payments & Transfers from the main menu, then Bill Payment to get started.

When you are setting up a payment, the next available payment date will automatically display after entering the payment amount.