Personal accounts overview
Checking accounts
Opening a checking account online or at your local OnPoint branch provides the convenience you need to manage your money easily. With access to 55 local branches, along with digital banking, you’ll be able to do what you need and get back to enjoying your life.
Savings accounts
Whether you’re saving for short- or long-term goals, an OnPoint savings account is a great place to start. Quickly transfer funds, set budgets and more in online banking, and access your funds with peace of mind using overdraft protection from any OnPoint savings account.
Certificates of Deposit
Certificates of Deposit (CD) accounts offer steady interest rates to fit your saving goals. Get better interest rates than your regular savings account by either locking-in your savings for three to 48 months for a higher interest rate, or take advantage of high-interest savings with our flexible, penalty-free annual withdrawal CD.
IRA savings options
With a Traditional or even a Roth IRA, the tax benefits may allow your savings to grow more quickly than if they were held in a taxable account. Even if you have an employer-sponsored retirement plan, such as a 401(k), you can still contribute to an IRA each year to further boost your retirement savings. Plus, if you currently don’t have an employer-sponsored retirement plan, an IRA can be an easy way to start saving for your future retirement goals.
Health Savings Account (HSA)
Make sure you’re always prepared with health savings account (HSA) checking that helps you save for qualified medical expenses. It works in conjunction with your high deductible health plan (HDHP) to provide tax-deductible contributions1 and tax-free withdrawals when used for qualified medical expenses.
