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Checking Accounts

For every day and everywhere.

Stay connected with more control.

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Digital Access

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Direct Deposit

Automatically deposit your paycheck into your account every payday.

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Global ATMs

Use your free Visa® debit card to access over 60,000 surcharge-free ATMs.

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World-class Support

Enjoy extra peace of mind with ongoing support from a local team that’s here when you need them.

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.

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Mobile Deposit

Deposit checks anytime, anywhere from your smartphone.

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Overdraft Protection

Protect yourself from overdrafts and get more peace of mind by linking your credit card to your checking account.

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Bill Payment

The no fuss, no hassle way to pay all your bills online, on time.

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Person-to-Person

Send money simply and securely to your family and friends.


From Portland to Pensacola, access over 60,000 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.

Find the nearest ATM
Access over 60,000 ATM's_photo of Hawthorne Branch ATMs

Compare Checking Accounts

  • Best for:

    Best for:

  • Minimum Balance Required

    Minimum Balance Required

  • Monthly Fee

    Monthly Fee

  • No fee cash withdrawals from any ATM.3

    No fee cash withdrawals from any ATM.3

  • Tiered Dividends

    Tiered Dividends

  • Free estatements

    Free estatements

  • Minimum to Open

    Minimum to Open

Interest Checking

  • Best for:

    Earning a little extra. You get all the features plus a monthly dividend.

  • Minimum Balance Required

    $5001

  • Monthly Fee

    $01

  • No fee cash withdrawals from any ATM.3

  • Tiered Dividends

  • Free estatements

  • Minimum to Open

    $50

OnPoint Checking

  • Best for:

    Simplicity of an everyday account with no fuss and no minimum balance requirements.

  • Minimum Balance Required

    $0

  • Monthly Fee

    $0

  • No fee cash withdrawals from any ATM.3

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  • Tiered Dividends

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  • Free estatements

  • Minimum to Open

    $50

Access Account

  • Best for:

    A fresh start and a simple way to build or reestablish your finances.

  • Minimum Balance Required

    $0

  • Monthly Fee

    $72

  • No fee cash withdrawals from any ATM.3

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  • Tiered Dividends

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  • Free estatements

  • Minimum to Open

    $50

Additional Rate Info

Interest Checking
Interest Checking

Deposit Amount

Interest Rate

Annual Percentage Yield1

Minimum Balance to Avoid Service Fees

Monthly Service Fee if Below Minimum Balance2

Rates Effective: 11-21-2019

Learn more about interest checking

View our Truth-In-Savings disclosure for additional information.

1 Annual Percentage Yield subject to change.

2 Fees could reduce earnings on the account.

Deposit Amount

$0 - $999.99

Interest Rate

0.05%

Annual Percentage Yield1

0.05%

Minimum Balance to Avoid Service Fees

$500 Avg/Month

Monthly Service Fee if Below Minimum Balance2

$7.00

Deposit Amount

$1,000 - $4,999.99

Interest Rate

0.05%

Annual Percentage Yield1

0.05%

Minimum Balance to Avoid Service Fees

$500 Avg/Month

Monthly Service Fee if Below Minimum Balance2

$7.00

Deposit Amount

$5,000 and higher

Interest Rate

0.05%

Annual Percentage Yield1

0.05%

Minimum Balance to Avoid Service Fees

$500 Avg/Month

Monthly Service Fee if Below Minimum Balance2

$7.00


Freedom shouldn’t cost a thing.

OnPoint checking accounts offer more value with great features like no minimum balance requirements or monthly fees. It’s just another benefit of OnPoint membership.

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Checking FAQs

Open your checking account today.

Stop by an OnPoint branch.

Find your nearest location

Open an account online.

Get started today

Give us a call.

Disclosures

1 If the minimum monthly average balance is not met, there will be a $7.00 monthly fee.
2 Monthly fee waived if under 18 years of age.
3 Please be aware that while OnPoint will not charge ATM fees with Interest Checking, you may be assessed a surcharge by another financial institution.

Please note: Regulation D limitations apply to Online Banking transactions.
If you request a substitute check, please read the Check 21 disclosure.
Click here to read the Truth in Savings Disclosures.

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