Monthly fee
$0
$0 a year for an everyday customer: fees and interest, $2,000 kept.
Onpoint Community · Checking account
OnPoint Access Checking
$0 a year for an everyday customer. No monthly fee. $20 to open.
- A year, everyday customer
- $0
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · onpointcu.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · onpointcu.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#447of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Card lock
- Debit card
- Mobile check deposit
- No minimum balance
- No overdraft fees
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Fees
- Monthly fee
- Noneonpointcu.com, checked Nov 8, 2026
- Minimum to open
- $20onpointcu.com, checked Nov 8, 2026
- Overdraft fee
- Noneonpointcu.com, checked Nov 8, 2026
Who can open it
- Membership
- Membership required:
- Oregon: You live or work in any of the counties we serve (33 Oregon counties listed).
- Washington: You live, work, worship or go to school in any of the counties we serve (Clark, Skamania, Cowlitz, Lewis).
- You're a family member of a person who is eligible for OnPoint membership.
Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.
Rates and fees change; the bank’s own page is the final word. Not all of this account’s figures are on record yet (details missing). Report a mistake · How we make money · Not stated: 2 items counted at typical fees