Checking Made Simple
Checking accounts designed to work for you.
Whether you’re looking for an account that earns you a little extra or offers no fuss or fees, OnPoint has the one that’s right for you. 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.
Digital access
Check account balances, transfer funds, pay bills and more, from anywhere.
57 local branches
Enjoy extra peace of mind with ongoing support from a local team that’s here when you need them.
Global ATMs
Use your Visa® debit card to access over 40,000 surcharge-free ATMs.
Direct deposit
Automatically deposit your paycheck into your account every payday using your routing and account number.
Compare checking accounts
Best for:
Best for:
Minimum average monthly balance required
Minimum average monthly balance required
Monthly Service Fee
Monthly Service Fee
Cash withdrawals from any ATM
Cash withdrawals from any ATM
Tiered dividends
Tiered dividends
E-Statements
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)Cash withdrawals from any ATM
Tiered dividends
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
Cash withdrawals from any ATM
Tiered dividends
E-Statements
Minimum to open an account
$50
Get started with an OnPoint checking account.
Empowering communities with local banking, global accessibility and people-centered impact.
You’re eligible for membership if you meet any one of the following criteria:
Oregon
You live or work in any of the counties we serve, or you’re a family member of a person who is eligible for OnPoint membership. The 28 counties we serve in Oregon: Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler, or Yamhill.
Washington
You live, work or worship in any of the counties we serve, or you’re a family member of a person who is eligible for OnPoint membership. The 2 counties we serve in Washington: Clark and Skamania.
Get Started
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.
FAQs
Our OnPoint Checking account offers the convenience of no minimum balance!
Membership with OnPoint is easy. You're eligible for membership if you live or work in one of the 28 counties we serve in Oregon or if you live, work or worship in Clark or Skamania Counties in Washington.
We are excited to welcome you to the community.
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.
Save for tomorrow
Reach your future goals with savings options that meet your personal needs.
What’s your reward?
Save more with OnPoint Rewards. You could be eligible to receive special benefits and discounts.
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.
Open your checking account today.
Get started today
Open a checking accountStop by an OnPoint branch.
Find a nearby location or ATMDisclosures
Please be aware that while OnPoint will not charge ATM fees with Interest Checking, you may be assessed a surcharge by another financial institution.
To open a checking account, consumers need to qualify for membership. To learn more, read our Consumer Membership & Account Agreement.
*By submitting this form, you agree to OnPoint’s collection and use of the information you provide in accordance with our privacy notice and online privacy policy available here. You also confirm that any information you submit is your own and that you are at least 18 years of age.
