Digital Banking with OnPoint―anytime, anywhere.
Your money. Your life. Your schedule.
Enjoy convenient access to your money wherever you go, in the PNW and beyond, with the largest community credit union headquartered in Oregon. With early direct deposit, free Online and Mobile Banking, savings rates up to 3.50% APY*, and access to 70,000+ surcharge-free ATMs nationwide, OnPoint goes with you.
Move money instantly.
Pay your bills online.
Get paid early.
A better banking experience with OnPoint Digital Banking.
Banking should be on your schedule. That’s why we offer:
• Early direct deposit – get funds before payday.
• Free online bill payment – one-time, recurring, or scheduled.
• Person-to-person payments – transfer to almost anyone instantly.
• Digital issuance of new cards – add to your digital wallet right away.
• Unlimited mobile deposits – deposit checks from anywhere.
• Accessible savings – competitive rates with full access at any time.
• Fee-free overdraft protection – automate transfers from savings.
Why should you bank with OnPoint on your phone?
OnPoint’s Digital Banking gives you a full-service banking experience without needing to visit a branch. Check your balance, send us a secure message, freeze or replace your debit and credit cards, set up account alerts, and more.
From opening accounts to applying for loans or moving money, our digital tools make it easy to manage your finances anytime, anywhere—while banking with a credit union that puts people and communities first.
Digital Banking delivers key features.
- Online bill payments and transfers
- Mobile deposit
- Digital issuance of new debit and credit cards, available for immediate use
- Integrated person-to-person payments with Zelle®
- Card controls and account alerts
- Touch ID and Face ID for added security
- Link external accounts quickly and securely with Plaid
- Visibility into OnPoint and external accounts all in one place
Take advantage of all that OnPoint membership has to offer.
Enjoy seamless banking with OnPoint’s digital capabilities and the convenience of mobile deposit, early direct deposit, digital wallet, and Tap to Pay.
Mobile deposit
With mobile deposit, quickly and securely deposit checks in just a few quick steps. Simply snap a photo of the front and back of your check, confirm the details, and submit. It’s that easy!
Early direct deposit
Get paid early. Early direct deposit allows you to receive your paycheck sooner than traditional payday when funds are made available by your employer. Getting paid early helps you manage cash flow, avoid overdrafts, and feel more financially secure.
Digital wallet
Left your card at home? No problem. Make safe and secure contactless payments with all OnPoint debit and credit cards. Available with Apple Pay, Google Pay, or Samsung Pay for purchases at merchants, in-app, or online. Enjoy hassle-free payments with OnPoint’s digital wallet.
Here to help
Get the help you need, when you need it. Our member service team is just a phone call away with personalized support.
Save with a competitive rate. Keep access to your funds.
Managing your savings online should be easy. With OnPoint, you have several options that combine competitive rates with easy access through Digital Banking. Put your money to work for you while keeping funds available in case you need them.
Member Savings – Earn 3.50% APY on the first $1,000, with no monthly fee.
Premium Savings – When you qualify for OnPoint Rewards, you can open a Premium Savings account. Earn 3.50% APY on up to $100,000, and 2.00% APY on balances greater than $100,000, with no monthly fee.
Both accounts are available to use as a free source of automated overdraft protection, and you can transfer to or from either account at any time in Online Banking or the Mobile Banking app.
Send and receive money with Zelle® & OnPoint.
A simple and secure way to send and receive money with friends, family, and others you trust1.
Fast.
Funds are sent directly to the recipient’s account in a matter of minutes2. This ensures quick and seamless transactions, giving you peace of mind and convenience.
Safe.
Your account information isn’t shared and remains secure throughout the transaction. We prioritize your privacy and use top-tier security measures to ensure your data is always protected.
Simple.
Send and receive money with almost anyone who has a bank account in the U.S. All you need to send money is the recipient’s email address or U.S. mobile phone number.
TAKE ADVANTAGE OF ONPOINT'S CONVENIENT AND HASSLE-FREE SERVICES TODAY!
Open an accountDisclosures
*APY = Annual Percentage Yield. Rates effective 3/23/2026 and subject to change.
- 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. App Store is a service mark of Apple Inc. Apple and Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc.
