Digital banking
Your money. Your way. Find anytime access with OnPoint digital banking.
Enjoy convenient access to your finances by banking with your local community credit union.
Anytime-anywhere
Move money
Safe & secure
A better banking experience with OnPoint digital banking.
Digital banking from OnPoint provides you with the opportunity to access your money, deposit checks, send and receive money person-to-person, track your spending, and handle all aspects of your banking needs, digitally. You won’t need to go into a branch or talk to someone over the phone to complete safe, quick, and secure banking transactions—but if you need to call us or stop by your local branch, we’re still here for you. That’s what banking with us means—advanced digital banking tools along with access to local financial professionals in your community.
What can you do with your digital banking account?
Check your balance, freeze your credit card, update your personal information, and more. Now with the power of Zelle® you can send, request or receive money from anyone using an email address or phone number.
Finance manager
Track and categorize your spending, set monthly savings goals and create budgets.
Text and email alerts
Receive text1 or email alerts to stay on top of your transactions and account balance.
Enhanced security features to protect your account online
Verify your login with a secure access code sent via text or phone. Quickly and securely log into digital banking on supported devices with touch and face ID.
Update information and customize your digital banking experience
Update your email, phone and address. In addition, you can let us know when you travel out of the area. Simplify your banking by giving each account a custom name or reorder the appearance of your accounts.
Easy mobile deposit and quick money transfers
Deposit checks directly into your account with just a few steps. Make bill payments and swift and secure transfers between your accounts and elsewhere.
Free eStatements
Safe, convenient, and environmentally-friendly way to access your monthly account statements. Find all the account information you need with up to 18 months of account history.
What are some 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
Safe ways to pay using your Digital Banking account with popular payment methods.
You can make simple, secure debit or credit card payments without swiping or inserting your card. Just add your OnPoint debit or credit card to Apple Pay, Google Pay or Samsung Pay, and you’re all set.
You can also make fast, safe peer-to-peer payments with Zelle®, Venmo, Paypal, Cash App and more.
How does Zelle® work?
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 of the incoming payment. OnPoint then directs the payment into your checking account, all while keeping your sensitive account details private.
Get more from your digital banking.
Optimize your Digital Banking experience with our user guides and tutorials.
Digital banking guide
Make the most of your digital banking experience with a step-by-step user guide. Open OnPoint’s digital banking guide.
Digital banking video tutorials
Learn more about digital banking, like how to log in, how to verify accounts and more, by watching these simple, convenient tutorials. Open video tutorial playlist.
Conveniently deposit checks from anywhere.
With mobile deposit, you can quickly and securely deposit checks in just a few quick steps:
- Log in and select “mobile deposit” from the main menu.
- Select the account you wish to deposit the funds into and the amount of the check.
- Sign and write “For mobile deposit only at OnPoint CCU” on the back of the check.
- Click “capture image” and you will be prompted to take photos of the front and back of your check. The final step is to confirm your deposit. Once you select deposit, it will start processing.
Your check deposits can be seen by selecting “activity center” and then selecting the “deposited checks” tab.
Read moreKellen - Android app reviewAbsolutely amazing. Quick load times, very clean and easily readable, common sense navigation. A must have for OnPoint members.
Digital banking FAQs
- Log into Digital Banking and navigate to Bill Payment from the Payments & Transfers tab.
- You will see your billers listed in the Payment Center.
- Click the button at the top of the page to Add a Company or Person.
- Click the name of the biller to see or change their information, such as their address, telephone number, and recent payments.
- Sign in to OnPoint's Digital Banking mobile app and tap the Menu button. In the Settings tab, tap Security Preferences.
- Toggle the Touch ID/Face ID or Fingerprint Login switch from "Off" to "On."
- Review the information about using fingerprint authentication and tap the Continue button.
- Enter your login ID and password and tap the Authorize button.
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.)
- Sign in to OnPoint's Digital Banking mobile app and tap the Menu button. In the Settings tab, tap Security Preferences.
- Toggle the Touch ID/Face ID or Fingerprint Login switch from "On" to "Off"
- Tap the Yes button to disable the feature.
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.
- Login to Digital Banking
- Select Settings from the main menu
- Select Security Preferences
- Click Change Password
- Complete the fields to change your password
Lockouts occur following 5 failed login attempts.
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
- Log into Digital Banking.
- Select Settings from the main menu (left-hand side).
- Select Account Preferences.
- Tap on the account you would like to remove to expand the details.
- Click the Remove link. (Note: The "Remove" link will only appear on accounts you linked from other external financial institutions.)
- Confirm you want to remove this account by clicking the Yes, remove button.
- Click the three-dot icon on the right side of an account card and select Nickname Account.
- Enter a new account nickname.
- Click the Save button when you are finished.
Note: Your login credentials are the same for Mobile Banking and Online Banking.
- 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.
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!
- In the Payments & Transfers tab, click Add External Account.
- Enter the account number.
- Select the type of account using the "Account Type" drop-down.
- Enter the financial institutions routing number. These numbers are located at the bottom of a paper check or deposit slip from your checkbook.
- Click the Continue button.
- In the Payments & Transfers tab, click Verify External Account.
- Select the account you would like to verify.
- Enter the amounts of the two small deposits which have been made into your external account.
- Click the Continue button when you are finished.
- In the Payments & Transfers tab, click Account Transfer.
- Select the accounts to transfer funds between using the "To" and "From" drop-downs.
- Enter the amount to transfer.
- (On-Time Transfer Only) Enter the date to process the transaction.
- If you would like to set up a recurring transfer, follow the steps below:
- Enter a start date for this transaction using the calendar feature.
- Decide if the transfer will repeat forever or have an end date.
- (Optional) Enter a memo.
- Click the Transfer Funds button when you are finished.
- Click the three-dot icon right side of an account card and select Quick Transfer.
- Select the "To" drop-down and choose an account to receive the funds.
- Enter an amount to transfer.
- (Optional) Click the Advanced Options button to be redirected to the Funds Transfer feature.
- Click the Transfer Funds button when you are finished.
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.
- 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.
Add your personal external account
- Click Add External Account from the Payments & Transfers tab.
- Enter the account number.
- Select the type of account using the "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.
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
- Click Verify External Account from the Payments & Transfers tab.
- Select the account you would like to verify.
- Enter the amounts of the two small deposits which have been made into your external account.
- Click the Continue button when you are finished.
Transfer between your OnPoint account an account at another financial institution
- Click Account Transfer from the Payments & Transfers tab.
- Select the accounts to transfer funds between using the "To" and "From" drop-downs.
- Enter the amount to transfer.
- (One-Time Transfer Only) Enter the date to process the transaction.
- 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.
- Click the Transfer Funds button when you are finished.
- Log into Digital Banking.
- In the Settings tab, click Text Banking Enrollment.
- Toggle the text banking enrollment switch from the Off to On.
- Enter your SMS text number.
- Read the terms and conditions and check the box next to Agree to Terms.
- Click the Save button when you are finished.
- Click the Visit Preferences button to be taken to the accounts feature.
- You should receive a text confirmation.
- Select an account you want to enroll in text banking.
- Click the SMS/Text tab.
- Toggle the SMS/Text Enrollment switch from Off to On.
- (Optional) Click the pencil icon to change the SMS/Text Display Name. Make your changes and click the checkmark to save it.
- Account Balance Alerts
- History Alerts
- Online Transaction Alerts
- 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 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
- 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 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
- 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.
- 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.
- 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.
- Click the Activity Center tab.
- Browse through your pending transactions and locate the transaction you would like to edit.
- Click the three-dot icon and click "Edit."
- Make the necessary edits and then click the Transfer Funds button when you are finished.
- Log into Digital Banking and click the Activity Center link from the main menu.
- 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.
- Click the three-dot icon and click "Cancel Selected"
- Click the Confirm button when you are finished. The status then changes to "Canceled" on the Activity Center page.
- 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.
- In the Payments & Transfers tab, click Member to Member.
- Click the Link Account button.
- Enter the Recipient's account number.
- Enter the Recipient's account type.
- Enter the Recipient's email address (must be on-file with OnPoint).
- Enter the first 3 letters of the Recipient's last name.
- Click Submit when you are finished.
- 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.
- Click the pencil icon to edit your group nickname.
- Enter a new name and click the check mark when you are finished.
- Create a new group by clicking and holding an account tile, then dragging and dropping it to the "inbox" pop-up icon.
- Create a group nickname and click the check mark when you are finished.
To learn more about your OnPoint membership, see our Membership and Account Agreement.
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.
- 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.
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!
- 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.
- Stop payments cannot be placed on electronic payments once they have been sent.
Make managing your money easier.
Open a Digital Banking accountDisclosures
Regulation D limitations apply to online and mobile banking transactions.
Online Banking Agreement
1 Please be aware that while OnPoint’s mobile banking services are free, your mobile carrier may assess text messaging and/or web access charges.