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 57 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.
57 local branches
Enjoy extra peace of mind with ongoing support from a local team that’s here when you need them.
Global ATMs
Use your Visa® debit card to access over 40,000 surcharge-free ATMs.
Direct deposit
Automatically deposit your paycheck into your account every payday using your routing and account number.
Compare checking accounts
Best for:
Best for:
Minimum average monthly balance required
Minimum average monthly balance required
Monthly service Fee
Monthly service Fee
Minimum to open an account
Minimum to open an account
Zelle®
Zelle®
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 average monthly balance required
$0
Monthly service Fee
$0
Minimum to open an account
$50
Zelle®
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 average monthly balance required
$0
Monthly service Fee
$0
Minimum to open an account
$20
Zelle®
Bill pay
Write checks
External transfers / member to member transfers
Conveniently manage your money.
Enjoy more flexibility and control of your finances with easy-to-use tools. Get in, get out and get back to your life.
Mobile deposit
Deposit checks anytime, anywhere from your smartphone.
Overdraft protection
Protect yourself from overdrafts and get more peace of mind by linking your credit card to your checking account.
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.
Checking FAQs
VISA can assess a fee for transactions processed outside the United States. Many online merchants process their transactions in countries other than the United States and charge a processing fee.
Please refer to our current Fee Schedule for VISA Foreign Transaction fees.
OnPoint ATM cards and Visa Debit Cards may be used at MoneyPass®, CO-OP, Cirrus®, Plus®, and Pulse® ATMs located all over the world. As an OnPoint member you can make free withdrawals and deposits at over 40,000 OnPoint, MoneyPass, and Co-Op ATMs.
Simply use your card at any OnPoint ATM or in a PIN-based transaction. You can also activate your debit card by calling 800.992.3808.
With OnPoint, MoneyPass® and CO-OP ATMs, transactions are always free.
You can visit any branch location to receive a new or replacement ATM or debit card instantly. You can also 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.
Save for tomorrow
Reach your future goals with savings options that meet your personal needs.
Earn rewards
Save more with OnPoint Rewards and unlock special benefits and discounts!
From Portland to Pensacola, access over 40,000 surcharge-free ATMs.
Enjoy easy access to your money with a nationwide network of OnPoint, CO-OP and MoneyPass ATMs. Plus, international access in Europe and Asia.
