
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 55 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.
55 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 60,000 surcharge-free ATMs.
Direct deposit
Automatically deposit your paycheck into your account every payday using your routing and account number.
- Jeff S.What a pleasant and productive first visit. This is what banking should be and at OnPoint it still is. P.S. thank you M. Muniz!
Compare checking accounts
Best for:
Best for:
Minimum average monthly balance required
Minimum average monthly balance required
Monthly Service Fee
Monthly Service Fee
No fee cash withdrawals from any ATM
No fee cash withdrawals from any ATM
Tiered dividends
Tiered dividends
Free e-statements
Free e-statements
Minimum to open an account
Minimum to open an account
Interest checking
Best for:
Earning a little extra. You get all the features plus a monthly dividend.
Minimum average monthly balance required
$500
(to avoid monthly service fee)Monthly Service Fee
$7
(waived if minimum monthly average balance is met)No fee cash withdrawals from any ATM
Tiered dividends
Free e-statements
Minimum to open an account
$0
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
No fee cash withdrawals from any ATM
Tiered dividends
Free e-statements
Minimum to open an account
$50
Additional rate info.
Deposit amount | Interest rate | Annual percentage yield1 | Minimum balance to avoid service fees | Monthly service fee if below minimum balance2 |
---|---|---|---|---|
Rates Effective: 03-26-2023 Learn more about interest checkingView 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 |
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
If you do not receive your new debit card, please contact us at 503.228.7077 or 800.527.3932 (M-F 7 a.m. to 7 p.m., Sat. 9 a.m. to 3 p.m.)
You can also visit a branch near you for assistance.
- Log in and select Services from the main menu
- Click Check Reorder
- Select the membership for which you would like to order checks and follow the remaining prompts.
You can change your address or other personal information on file with the credit union by simply logging into Digital Banking. Once logged in, select Settings from the main menu. Then select Update Contact Info.
- If your average monthly balance is $500 or more, our Interest Checking account might be a good fit for you, which earns interest and has no monthly fee if you maintain an average monthly balance of $500 or more.
- If your average monthly balance is below $500, our OnPoint Checking account may be what you are looking for, providing all the benefits of a checking account with no mothly fees or minimum balance requirements.
As an OnPoint member you can make free withdrawals and deposits at over 60,000 OnPoint, MoneyPass®, and CO-OP ATMs.
Overdraft Protection
We offer overdraft protection so you can avoid excess fees and protect your accounts! You may link any of the following account types to your checking account to cover overdrafts:
- Savings Account
- FlexSmart Money Market Account
- Personal Line of Credit
- Home Equity Line of Credit
- Signature and Platinum Visa Credit Card
- Log in to Digital Banking.
- Select the desired account, such as your checking account.
- Click the Details & Settings heading to view additional account information.
- Within this section, you will see additional information about the account including the account number, routing number and YTD interest/dividends earned (if applicable).
- The third item in the list, Full Account Number, is the account number you'll need for electronic transactions such as direct deposit.
You can also find the routing and account number at the bottom of your checks.
Save for tomorrow
Reach your future goals with savings options that meet your personal needs.
What’s your bundle?
With over 2,904 ways to save more with Bundle Rewards, you could be eligible to receive special benefits and discounts.
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.
Open your checking account today.
Get started today.
Open an accountStop by an OnPoint branch.
Find a nearby location or ATMDisclosures
Please be aware that while OnPoint will not charge ATM fees with Interest Checking, you may be assessed a surcharge by another financial institution.
If you request a substitute check, please read the Check 21 disclosure.
Click here to read the Truth in Savings Disclosures.