woman standing outside OnPoint thinking about banking locally

Checking accounts

Local banking, global access and community impact.

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.

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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!

- Jeff S.

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.

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: 05-19-2024

Learn more about interest checking

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

New debit cards are mailed to members the first week of the month that the card is set to expire.

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.
You may order checks online within Digital Banking.
  1. Log in and select Services from the main menu
  2. Click Check Reorder
  3. Select the membership for which you would like to order checks and follow the remaining prompts.
If there has been an address change since your last check order, please ensure your account has been updated with this information.

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.
Our OnPoint Checking account offers the convenience of no minimum balance!
You have two ways to use your Visa Debit Card. You can swipe your card and use your PIN, or you can choose credit and sign for your purchases. Occasionally, high transaction volumes can cause transactions to be declined even if your purchase amount doesn't exceed your available funds. If this happens, ask the merchant to process your transaction again using the opposite method. For example, if you originally tried running the transaction as a credit, ask to run it with your PIN. If you originally used your PIN, ask to run it as a credit transaction.
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.
Your average monthly balance is calculated by adding the end of day balance in your checking account for each day in the month. Then, divide that number by the number of days in the month.
  • 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.
OnPoint charges members for using out of network ATMs (excludes Interest Checking users). This fee is in addition to any fees charged by the out of network ATM.

As an OnPoint member you can make free withdrawals and deposits at over 40,000 OnPoint, MoneyPass®, and CO-OP ATMs.
You can have one debit card, in your name, per checking or similar transactional account (such as a FlexSmart Money Market account).
Please refer to our Fee Schedule for current overdraft fees.

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:
If you would like to add or make changes to your overdraft protection setup, contact us.
You can find your full account number within Digital Banking. Follow the steps below:
  • 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.
Please note: some account types (including Bundle Rewards Savings) will not display a "Full Account Number." This type of account does not include a direct deposit feature or the ability to make electronic transactions requiring an account number.

You can also find the routing and account number at the bottom of your checks.
Cashier's checks are free for OnPoint members. To get a cashier's check, visit your nearest OnPoint branch.

Not a member?

At OnPoint, our purpose is to build strong communities by supporting financial growth and well-being, one person at a time.

We want you to be a part! Opening an account only takes about 10 minutes.

Join in!
To place a stop payment, log into Digital Banking and select Services from the main menu. Then, select Stop Payment and provide the requested information. For lost or stolen checks, please visit your nearest branch or contact us at 800.527.3932 or 503.228.7077 for assistance.

You can view our stop payment fees here:
OnPoint members can add checking and savings accounts to an existing membership in Digital Banking.

Depending on the type of account you choose to open, you also have the option to request additional services such as:
  • Visa Debit Cards
  • Checks
  • Overdraft Protection
  • Telephone Teller
  • Member to Member Transfers
  • Direct Deposit
  • And more!
To get started, simply login to Digital Banking. Select Services from the main menu and then click Add Accounts.
New Members:
  • Funds deposited via ACH will be available within 5-10 business days.
  • Funds paid by credit card or debit card will be available within 2 business days.
Existing Members:
  • Funds transferred from an existing OnPoint account will be available immediately.
No, we do not charge our members a fee to use their debit card.

It's easy to make the switch to OnPoint! We offer a checking account that's truly free, with no monthly service charge and no minimum balance.
Your PIN (Personal Identification Number) is a four-digit number used as a security precaution for your debit or credit card. PIN numbers are required when you use your OnPoint debit cards at an ATM or make purchases.

This number is created by you and should not be written on your debit card or shared with others.

Set a New PIN

If you know your existing PIN and want to change it, visit an OnPoint ATM to change it.

If you do not know your existing PIN, visit your closest branch for assistance.
If you do not know your existing PIN, please call 800.992.3808.

If you know your existing PIN and want to change it, you may visit an OnPoint ATM to change it.

In addition, you can set your preferred language, change your fast cash withdrawal amount and choose your receipt preferences. Simply visitn an OnPoint ATM, enter your card and PIN and navigate to "Choose ATM Preferences."
You may order checks from any check vendor, however, OnPoint can only guarantee the content, accuracy and quality of checks ordered through our check vendor Harland-Clarke.

You can re-order checks via Digital Banking:
  • Select Services from the main menu.
  • Select Check Reorder.
  • Choose the applicable membership, select your preferred check style and follow prompts to complete the ordering process.
For your first check order for an account, please visit your nearest branch or 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.)

Check prices vary based on quantity and design.
Yes! 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:
If you would like to add or make changes to your overdraft protection setup, 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.).
You can make deposits as frequently as you like to your checking or savings account with no minimum deposit requirement.

Great checking starts with great features, like easy-to-use online access, and the potential to earn interest on your balance.
Whichever checking account you choose, you'll enjoy surcharge-free access to more than 40,000 ATMs nationwide. Plus, our mobile app lets you manage your account anytime, from anywhere.
To set up direct deposit, contact your employer's HR/payroll department and provide OnPoint's routing number, 323075880, along with your full account number.

You can find your full account number within Digital Banking. Follow the steps below:
  • 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 the Details & Settings 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.
Please note: some account types (including Bundle Rewards Savings) will not display a "Full Account Number." This type of account does not include a direct deposit feature or the ability to make electronic transactions requiring an account number.

You can also find the routing and account number at the bottom of your checks.

If you need assistance, visit your local branch. We can help you complete the form and submit your request to your payroll department. To speak with a representative, call us at 503.228.7077 or 800.527.3932.
We make every effort to post direct deposits before 9:00 AM each business day.
To view a copy of a check:
  1. Log into Digital Banking.
  2. Click the check transaction item in your checking account history to expand the transaction details. This is typically listed as "Share Draft – [check number]".
  3. View or print an image of the paid check.
If you need a copy of a check(s) and do not have access to Digital Banking, please 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.)
Please see our current Fee Schedule for stop payment fees.

You may request a stop payment within Digital Banking.
  • Log in and select Services from the main menu.
  • Click Stop Payment
  • Complete the requested fields and click Send Request.
You may also request a stop payment by contacting us. For checks, the stop payment will be effective if the Credit Union receives the order in time for OnPoint to act upon the order.
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.

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.

Find the nearest Branch or ATM

Open your checking account today.

Get started today.

Open an account

Stop by an OnPoint branch.

Find a nearby location or ATM

Disclosures

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.

Note: Email should not be used to share important or sensitive information.

The security and privacy of your information is important to us. When communicating with us via email please do not send any information that is considered confidential or sensitive in nature. If you need to communicate any personal information (account numbers, social security number, etc.) please feel free to call the number listed in my profile or contact OnPoint Member Services at 503.228.7077 or 800.527.3932.

 

 

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