Checking accounts
Stay connected with more control.
Opening a checking account online or at your local OnPoint branch provides the convenience you need to manage your money easily. With access to 59 local branches, along with digital banking, you’ll be able to do what you need and get back to enjoying your life.
Digital access
Check account balances, transfer funds, pay bills and more, from anywhere.
59 local branches
Enjoy extra peace of mind with ongoing support from a local team that’s here when you need them.
Nationwide ATMs
Use your Visa® debit card to access over 70,000+ surcharge free ATMs.
Direct deposit
Automatically deposit your paycheck into your account every payday using your routing and account number.
Compare checking accounts
OnPoint checking
OnPoint access checking
Best for:
Simplicity of an everyday account with no fuss and no minimum balance requirements.
A great option for those new to banking, or anyone who has faced account or credit challenges.
Minimum to open an account
$50
$20
Minimum balance required
$0
$0
Monthly service fee
$0
$0
Digital banking access
Send money with Zelle®
E-statements
Bill pay
Write checks
External transfers / member-to-member transfers
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
Monthly service fee
Digital banking access
Digital banking access
Send money with Zelle®
Send money with Zelle®
E-statements
E-statements
Bill pay
Bill pay
Write checks
Write checks
External transfers / member-to-member transfers
External transfers / member-to-member transfers
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
$0
Digital banking access
Send money with Zelle®
E-statements
Bill pay
Write checks
External transfers / member-to-member transfers
OnPoint access checking
Best for:
A great option for those new to banking, or anyone who has faced account or credit challenges.
Minimum to open an account
$20
Minimum balance required
$0
Monthly service fee
$0
Digital banking access
Send money with Zelle®
E-statements
Bill pay
Write checks
External transfers / member-to-member transfers
Conveniently manage your money online.
When digital banking is easier, life is too. Enjoy more flexibility, security and control of your finances with anytime, anywhere banking access and easy-to-use tools. Get in, get out and get back to your life—it’s safe, secure and simple.
Mobile deposit
Deposit checks anytime, anywhere from your smartphone.
Bill payment
The no-fuss, no-hassle way to pay all your bills online, on time.
Person-to-person
Send money simply and securely to your family and friends.
Account management
Check your balance, update your personal information, and more.
Finance manager
Track and categorize your spending, set monthly savings goals and create budgets.
Alerts
Receive text4 or email alerts to stay on top of your transactions and account balance.
Account security
Verify your login with a secure access code sent via text or phone.
Touch ID & Face ID
Quickly log into Digital Banking securely on supported devices.
Travel notifications
Access your account on the go and keep your account secure by scheduling travel dates in your account.
Customized experience
Simplify your banking by giving each account a custom name or reorder the appearance of your accounts.
Digital transfers
Make bill payments and swift and secure transfers between your accounts and elsewhere.
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, and Yamhill.Washington
You live, work, worship or go to school in any of the counties we serve, or you’re a family member of a person who is eligible for OnPoint membership. The 4 counties we serve in Washington: Clark, Skamania, Cowlitz, and Lewis. Open an account online
What 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)
Open your checking account today.
Get started today.
Open an accountStop by an OnPoint branch.
Find a nearby location or ATMDisclosures
- To open a checking account, you must establish membership by opening a Member Savings account. Limit one Member Savings account per person. Certain restrictions, conditions, and limitations apply; not everyone will qualify. $50 minimum opening deposit.
- ATM fee for using out-of-network ATMs. This fee is in addition to any fees charged by the out-of-network ATM.
- To receive money, the recipient’s email address or U.S. mobile number must be enrolled with Zelle. To send or receive money with Zelle, both parties must have an eligible checking or savings account. Transactions typically occur in minutes when the recipient’s email or U.S. mobile number is already enrolled in Zelle. If the recipient never completes the enrollment, then your payment will not be completed and will be returned to you.
- Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
- Data charges may apply. Check with your mobile phone carrier for details.
