Monthly fee
$0
$0 a year for an everyday customer: fees and interest, $2,000 kept.
Onpoint Community · Checking account
OnPoint Checking Account
$0 a year for an everyday customer. No monthly fee. $50 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.
Features
- Bill pay
- Branch access
- Check writing
- Contactless card
- Debit card
- Free checks
- Joint accounts
- Minor accounts
- Mobile check deposit
- Mobile wallet
- No minimum balance
- Online opening
- Overdraft protection transfer
- 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
Rate conditions
- Interest compounds
- monthlyonpointcu.com, checked Nov 8, 2026
Fees
- Monthly fee
- Noneonpointcu.com, checked Nov 8, 2026
- Minimum to open
- $50onpointcu.com, checked Nov 8, 2026
- Overdraft fee
- $10onpointcu.com, checked Nov 8, 2026
- Returned item (NSF) fee
- Noneonpointcu.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 30onpointcu.com, checked Nov 8, 2026
- ATM network
- OnPoint, MoneyPass or CO-OP ATMsonpointcu.com, checked Nov 8, 2026
- ATMs in the network
- 70,000onpointcu.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $2onpointcu.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 1%onpointcu.com, checked Nov 8, 2026
- Incoming domestic wire
- $8onpointcu.com, checked Nov 8, 2026
- Outgoing domestic wire
- $20onpointcu.com, checked Nov 8, 2026
- Incoming international wire
- $8onpointcu.com, checked Nov 8, 2026
- Outgoing international wire
- $40onpointcu.com, checked Nov 8, 2026
- Stop payment
- $25onpointcu.com, checked Nov 8, 2026
- Card replacement
- $5onpointcu.com, checked Nov 8, 2026
Who can open it
- Where
- Oregon, Washingtononpointcu.com, checked Nov 8, 2026
- 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. Report a mistake · How we make money · Not stated: 2 items counted at typical fees