OnPoint system update
Current status—accessing your accounts.
Online and Mobile Banking are available.
- Multiple checks clearing the same day between April 20 and April 28 will appear as one withdrawal. However, your April 30 statement will list these checks separately.
- OnPoint credit card information for some members may be unavailable in Digital Banking. However, you may continue to use your credit card. If you don’t see your credit card in Digital Banking and need to make a payment to your credit card, or review your credit card transactions and current balance, please contact us at 503.228.7077 or 800.527.3932, or visit your nearest branch. We are working diligently to restore this service quickly. We apologize for any inconvenience and appreciate your patience.
- Transaction descriptions may appear differently than they have in the past.
- Member-to-member transfers have a few small changes. If you have trouble, verify with the recipient that you have their full account number and their email address on file.
- Updating your address and other contact information within Digital Banking is currently unavailable. We are working diligently to restore this service. In the meantime, please visit your nearest branch or call us at 800.527.3932 if you need to make changes to your contact information.
Key differences with the update.
See below to find details about what’s changing, and what’s staying the same.
Account numbers
Your checking account numbers will NOT change, but other account types will undergo a minor modification.
Statements
Deposit accounts will be combined into a single statement. Every Loan account will now generate a separate monthly statement.
Account names
Some account names will change, but the features and services will remain the same or improve.
Account numbers
Account numbers for checking accounts, Health Savings Accounts, FlexSmartSM Money Market accounts, and Home Equity Lines of Credit will not change.
For other transaction accounts, your member number will now be combined with the product number to create a new account number for each account. This will not require any additional action from you. Your accounts will continue functioning as they do now, despite looking a little different in Digital Banking.
You can find your new account number in Digital Banking the same way as you do today.
- Log in and select the account you’d like to research.
- Select “Details & Settings.”
- You’ll find the “Full Account Number” here.
Account type | Account number (before update) | Account number (after update) |
|---|---|---|
The above examples use a fictional member number of 9999999. | ||
Account type Checking | Account number (before update) 99999995 | Account number (after update) 99999995 |
Account type Savings | Account number (before update) 9999999-1 | Account number (after update) 99999990001 |
Account type CD | Account number (before update) 9999999-12 | Account number (after update) 99999990012 |
Account type Auto loan | Account number (before update) 9999999-143 | Account number (after update) 99999990143 |
Memberships
After the system update, your accounts will be organized under a single member record based on the SSN or TIN attached to your accounts.
This won’t change your experience much unless you have multiple memberships (with the same ownership properties). If you have multiple membership numbers, you likely have more than one Regular Savings account. The oldest such account on your oldest membership will keep the name Savings (or Business Savings). The remaining Regular Savings accounts will be renamed Secondary Savings, and will retain all the same account properties. The $5 Share Hold will only remain in place on the oldest Regular Savings account.
Statements
- For April of 2023, you will receive two statements for each account – one on your normal statement date and another at the end of the month that covers your transactions between your normal statement date and April 30, 2023.
- Beginning May 1, your deposit account statements will now be combined into a single statement that displays all accounts under the same tax-reported ownership information.
- You will also receive a separate monthly statement for every loan account.
Account Names
Account nicknames created in Digital Banking will not change. However, the official product name on some account types may change.
Members with multiple Regular Savings accounts will maintain one Regular Savings account; the remaining savings accounts will be renamed “Secondary Savings.” If you had an old Market Rate Savings account, that is also being renamed “Secondary Savings.”
Other legacy account types we no longer offer will be renamed to align with an existing account. In most cases, the changes will be a name change only, with no changes to account features or services.
You can always assign a nickname to any of your accounts within Digital Banking.
- Log in and select the account you’d like to rename.
- Select the “Details & Settings” header and tap the pencil icon below “Online Display Name” (toward the bottom of the screen).
- Enter your new display name and tap the checkmark icon.
- Note: Account nicknames will not appear on your monthly statement.
How will account number changes impact my transactions?
- Direct deposit. If your direct deposit goes to a checking account, there will be no impact. Existing direct deposits to savings accounts will also not be impacted. However, if you set up a new direct deposit to your savings account, you’ll want to provide your employer the updated account number.
- Automatic payments. Any existing automatic payments established through your checking account will not be impacted. To set up automatic debits from your savings account, you'll use the new account number.
- Member to member transfers. You’ll now specify the destination account using the new Account Numbers rather than separate Membership and Account Numbers.
- Wire Transfers. If you’re not using a checking account, you’ll need to use the new Account Number when initiating a wire or providing incoming wire instructions to a sender.
FAQs—What changed after the system update?
Browse or search all FAQs—What changed after the system update?.
System update overview.
We appreciate your membership with OnPoint. As part of our process to ensure we continue to deliver exceptional service to our members, we’re going to update some of our internal systems over the weekend of April 28 – May 1. This will promote efficient operations, a consistent member experience and let us serve you better, now and in the future. The update will also lay the foundation for future services and features as we continue to grow.
You can find out more below about what this may mean for you over the weekend, and after the update. You can also visit a branch or call us with any questions you may have.
What to expect during the update period.
The update will begin at 7 p.m. on Friday, April 28, and is estimated to be completed on Monday, May 1. During the System Update, there will be limited access to your accounts. Digital Banking and Telephone Teller will be unavailable, as will many services and transactions usually provided at the branch or through the contact center. You can use ATMs and your debit and credit card(s) as normal. However, we recommend conducting your important month-end banking tasks earlier in the week.
Debit and credit cards will still be available.
During the system update, you can continue to use your OnPoint debit or credit card as you normally would. However, you will be unable to transfer from a money movement app (such as Zelle, Venmo or CashApp) into your OnPoint account until after the system update.
Deposits made at an ATM after 3 p.m. on Friday, April 28 will not update your balance until after the System Update is complete. This includes cash deposits.
Service availability overview.
Branches
Branches
Contact Center
Contact Center
Digital Banking
Digital Banking
Debit & Credit cards
Debit & Credit cards
ATM
(Transactions after 3 p.m. on Friday will not reflect in your balance until May 1)ATM
(Transactions after 3 p.m. on Friday will not reflect in your balance until May 1)Telephone Teller
Telephone Teller
Friday,
April 28
Branches
Contact Center
Digital Banking
Available until 7 p.m.Debit & Credit cards
ATM
(Transactions after 3 p.m. on Friday will not reflect in your balance until May 1)Telephone Teller
Available until 7 p.m.
Saturday,
April 29
Branches
Available with limited services*Contact Center
Available with limited services*Digital Banking
Debit & Credit cards
ATM
(Transactions after 3 p.m. on Friday will not reflect in your balance until May 1)Telephone Teller
Sunday,
April 30
Branches
Contact Center
Digital Banking
Debit & Credit cards
ATM
(Transactions after 3 p.m. on Friday will not reflect in your balance until May 1)Telephone Teller
Monday,
May 1**
Branches
Contact Center
Digital Banking
Debit & Credit cards
ATM
(Transactions after 3 p.m. on Friday will not reflect in your balance until May 1)Telephone Teller
*Our branches and contact center will be available to speak with our members on Saturday, April 29, but due to the update, we will be unable to conduct transactions or perform account maintenance or changes.
**We expect the update to be completed on Monday, May 1, but please check back here, onpointcu.com/update, for the latest developments.
Availability of other services.
Bill payment
(Payments previously scheduled will process as planned.)Bill payment
(Payments previously scheduled will process as planned.)Zelle®
Zelle®
Mobile Deposit
Mobile Deposit
Account deposits from money movement apps (such as Zelle, Venmo, CashApp)
Account deposits from money movement apps (such as Zelle, Venmo, CashApp)
Online new member applications
Online new member applications
Loan and mortgage applications
Loan and mortgage applications
Home equity lines of credit – signing and funding
Home equity lines of credit – signing and funding
Fraud disputes - in-branch
Fraud disputes - in-branch
Fraud alerts - debit and credit card
Fraud alerts - debit and credit card
Pay-by-phone (using an external credit or debit card)
Pay-by-phone (using an external credit or debit card)
Friday,
April 28
Bill payment
(Payments previously scheduled will process as planned.)
Available until 7 p.m.Zelle®
Available until 3 p.m.Mobile Deposit
Available until 2 p.m.Account deposits from money movement apps (such as Zelle, Venmo, CashApp)
Available until 3 p.m.Online new member applications
Loan and mortgage applications
Online only after 7 p.m.Home equity lines of credit – signing and funding
Fraud disputes - in-branch
Fraud alerts - debit and credit card
Pay-by-phone (using an external credit or debit card)
Saturday,
April 29
Bill payment
(Payments previously scheduled will process as planned.)Zelle®
Mobile Deposit
Account deposits from money movement apps (such as Zelle, Venmo, CashApp)
Online new member applications
Loan and mortgage applications
Online onlyHome equity lines of credit – signing and funding
Fraud disputes - in-branch
Fraud alerts - debit and credit card
Pay-by-phone (using an external credit or debit card)
Sunday,
April 30
Bill payment
(Payments previously scheduled will process as planned.)Zelle®
Mobile Deposit
Account deposits from money movement apps (such as Zelle, Venmo, CashApp)
Online new member applications
Loan and mortgage applications
Online onlyHome equity lines of credit – signing and funding
Fraud disputes - in-branch
Fraud alerts - debit and credit card
Pay-by-phone (using an external credit or debit card)
Monday,
May 1
Bill payment
(Payments previously scheduled will process as planned.)Zelle®
Mobile Deposit
Account deposits from money movement apps (such as Zelle, Venmo, CashApp)
Online new member applications
Loan and mortgage applications
Home equity lines of credit – signing and funding
Fraud disputes - in-branch
Fraud alerts - debit and credit card
Pay-by-phone (using an external credit or debit card)
How to prepare for the system update weekend.
We recognize that the system update is occurring over the last weekend in April, and we understand the importance of having regular access to your accounts. To help you prepare and stay informed, please verify your contact information. This ensures you receive additional system update details.
Verify your contact information.
- Log into Digital Banking and select “Settings.”
- Select “Update Contact Info” to review your address, phone number and email.
Check your account balances before the update.
Digital Banking and Telephone Teller will be unavailable during the system update, so carefully track your spending to avoid overdrafts.
Your update checklist.
- Mark your calendar. April 28-May 1.
- Review your contact information, account ownership and account balances.
- Schedule online bill payments and transfers in advance.
Transfers scheduled for April 29 or 30 will not process until May 1. - Plan ahead for your upcoming spending.
If you need coins, a cashier's check, or more cash than you normally get from an ATM, visit us on or before April 28. - Send important wires by Friday, April 28.
Wire requests completed by the cutoff times on Friday will be sent that day. - Quicken, Quickbooks and Mint.
The system update is not expected to have an impact on your transaction downloads. However, we recommend you download and save your information prior to the system update.
System Update FAQs
Browse or search all System Update FAQs.
Planning ahead
Browse or search all Planning ahead.
What's happening?
Browse or search all What's happening?.
