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OnPoint Community Credit Union
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OnPoint Checking

Four smart choices to manage your money
 
Interest Checking
  • Higher balances earn more with tiered rates
  • Free cash withdrawals from any ATM*
eChecking
  • No monthly fee
  • Free Bill Payment with eStatements**
Basic Checking
  • No monthly fee
  • No minimum balance requirement
Buzz Checking
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* Please be aware that while OnPoint will not charge ATM fees with Interest Checking, you may be assessed a surcharge by another financial institution.
** You must enroll in eStatements within the first 30 days of account opening or conversion. If you do not enroll, or if you subsequently discontinue eStatements after commitment, the account will convert to Basic Checking and will be subject to all applicable fees and service charges.
 
Checking Details 4/23/2014
Interest Checking eChecking Basic Checking
Monthly Fees None1 None None
Minimum Opening Balance None $50 $50
Minimum average monthly balance $500 None None
Visa Debit Card Free Free Free
Interest Rates Tiered, above-market rates that increase at $1,000 and $5,000 None None
eStatements Free Free3 Free
Online Bill Payment Free Free 90-day free trial; then $3.95 a month
ATM cash withdrawals Free at any ATM2 Free at all OnPoint, CO-OP and MoneyPass ATMs Free at all OnPoint, CO-OP and MoneyPass ATMs
Per-check fees None None None
1If the minimum monthly average balance is not met, there will be a $7.00 monthly fee.
2Please be aware that while OnPoint will not charge ATM fees with Interest Checking, you may be assessed a surcharge by another financial institution.
3You must enroll in eStatements within the first 30 days of account opening or conversion. If you do not enroll, or if you subsequently discontinue eStatements after commitment, the account will convert to Basic Checking and will be subject to all applicable fees and service charges.

If you request a substitute check, please read the Check 21 disclosure.