Banking made better
Effortless checking with zero overdraft penalties
Access Checking is just right if you’re looking for an easy-to-use, hassle-free checking account. Enjoy no monthly fee, no minimum balance, and peace of mind with no overdraft charges. Plus, it can help you stay on track with your financial goals.
Spend what you have
Access Checking ensures transactions are only authorized if you have funds, helping to prevent overspending and avoiding overdrafts.
Track your spending
With the OnPoint Mobile Banking App, keeping track on your spending has never been easier. With the ability to provided real-time updates on your transactions it is effortless to stay on top of your finances.
Access Checking is Bank On certified
Access Checking is certified to meet Bank On National Account Standards, ensuring a safe, affordable, and inclusive account with no overdraft fees.
Benefits of OnPoints Access Checking account
- Free, no overdraft fees
- No fees to cash checks, send money using Zelle®, or to use an OnPoint ATM
- Just $20 to open, with no balance requirements
- Direct deposit paychecks
- Bank On certified
- Free debit card with the ability to lock your card if lost or stolen
- Free mobile banking app with mobile check deposit
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
Bill pay
Bill pay
Zelle®
Zelle®
Write checks
Write checks
External transfers / member to member transfers
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
Bill pay
Zelle®
Write checks
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
Bill pay
Zelle®
Write checks
External transfers / member to member transfers
Financial education at OnPoint Community Credit Union
Reaching your goals starts here.
Find peace of mind with our financial education resources.
No matter where you are on your financial journey, OnPoint is here to help you achieve your goals by providing free access to financial education tools, tips, and resources. Through our digital learning platform Enrich, financial counseling partnership with GreenPath, and access to our team of certified financial educators, our members, and the broader community are empowered to live financially healthy lives.
