Checking that checks all the boxes
Local checking, global access.
You deserve a checking account that fits your life. With robust digital banking tools, access to 70,000+ ATMs nationwide, and the convenience of a Tap to Pay debit card, your OnPoint checking account has everything you need to meet your goals, whatever they may be.
Make checking more rewarding with OnPoint Rewards.
Get even more out of your membership. When you make at least six transactions per month with your OnPoint checking account, you’ll qualify for OnPoint Rewards, which includes:
Higher deposit rates.
- Access to greater earnings with Loyalty Savings and Premium Savings.
- 0.25% APY increase on any published CD rate1
Loan perks.
- 0.25% off consumer fixed APR loans.2
- Access to 2% cash back with the OnPoint Signature Visa® Cash Back credit card.
Lower closing costs.
- Up to $250 off a Home Equity Line of Credit.3
- Up to $800 off the closing costs of a mortgage purchase or refinance.4
No hidden costs. No surprises.
Whether you’re planning for your next big trip, a move, or any other new stage in life, your OnPoint debit card and checking account are there for you.
- No hidden costs. Simple and straightforward, the way it should be.
- Worry-free checking, your way.
- Keep as much money in your account as you like―we won’t charge you for dipping under a required minimum.
- Conveniently manage your money, wherever your life takes you (using digital and mobile banking).
- Add your debit card to your Digital Wallet (Apple Pay, Google Pay, Samsung Pay) for contactless payments―never worry about leaving your card at home.
- Check account balances, transfer funds to almost anyone using Zelle®*, pay bills, use mobile deposit, set up and manage overdraft protection, or link to accounts at other financial institutions.
Checking made simple.
Person-to-person
Send money simply and securely to your family and friends.
Connected access
Easily link your external accounts and manage all your finances in one place with Digital Banking.
58 local branches
Enjoy extra peace of mind with ongoing support from a local team that’s here when you need them.
Digital wallet
Simple, safe, and secure hassle-free payments with digital wallet. Easily make payments with just a tap of your card or device.
Send and receive money with Zelle® & OnPoint.
A simple and secure way to send and receive money with friends, family and others you trust*
Fast
Funds are sent directly to the recipient’s account in a matter of minutes*. This ensures quick and seamless transactions, giving you peace of mind and convenience.
Safe
Your account information isn’t shared and remains secure throughout the transaction. We prioritize your privacy and use top-tier security measures to ensure your data is always protected.
Easy
Send and receive money with almost anyone who has a bank account in the U.S. All you need to send money is the recipient’s email address or U.S. mobile phone number.
Sending money with Zelle® & OnPoint is easy!
Zelle® is a fast, safe and easy way to send and request money from within digital banking.
Disclosures
- APY = Annual Percentage Yield. Rates effective as of April 17, 2026. Rate may change after the account is opened. $50 minimum opening deposit. Terms and conditions apply. Membership is required and subject to approval.
- To open a checking account, you must establish membership by opening a Member Savings account. Limit one Member Savings account per person. OnPoint Rewards eligibility and benefits are subject to change. Certain restrictions, conditions and limitations apply; not everyone will qualify.
- Qualification Requirements Per Monthly Cycle: To qualify for OnPoint Rewards, you must meet the following criteria: 1. Ten (10) year relationship with OnPoint. 2. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.
- ATM fee for using out of network ATMs. This fee is in addition to any fees charged by the out of network ATM.
- APY=Annual Percentage Yield. Rates effective as of April 17, 2026. OnPoint Community Credit Union will add 0.25% to Certificate of Deposit (CD) rates. This offer is only available when a new CD account is opened.
- OnPoint Community Credit Union will take 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes mortgage products, variable rate products, Payday Advantage loans and the refinance of existing OnPoint loans.
- OnPoint Community Credit Union will waive up to $250 off closing costs on any new EquityFlex Line of Credit product.
- OnPoint Community Credit Union will waive up to $800 off the closing costs on any new first mortgage purchase or refinance. This offer applies to all OnPoint Mortgage standard products and cannot be used in combination with any other OnPoint Mortgage promotional offers. Offer subject to change.
- Must have a bank account in the U.S. to use Zelle.
- Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. View Zelle terms of service.
