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Business Checking

Financial empowerment is in our DNA

Point West Business Accounts are designed for the local small business owner seeking stress-free access to the cash flow they need. Combined with face-to-face assistance and online services. Let Point West Business Accounts simplify your day-to-day work.

The Benefits of Doing Business with Point West

Access to ATMs nationwide

You can use nearly nearly 30,000 surcharge-free CO-OP ATMs† nationwide so you always have access to cash when you need it.

In-person teller services

We have more than 5,000 CO-OP Shared Branches (including over 2,000 self-service locations) in all 50 states, Puerto Rico, Guam, and military bases around the globe.

Free ATM Card or VISA Debit Card

Free Online Banking

Pay your bills online††, access free check imaging and re-order checks.

Free Mobile Banking

This includes Mobile Check Deposit and free alerts for your accounts.

e-Statements

Sign up to receive paperless statements each month.

Business Eco Checking

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must make a minimum of ten (10) Point West VISA credit card transactions per month, be enrolled in Online Banking and eStatements, and have a direct deposit of at least $500 per month to their Point West account. VISA credit card loan subject to credit approval. See full rates details and disclosures >>

$0 - $15,000

2.50%

2.529%

$15,000+

No dividend

No APY

Account Details

  • 2.50% APR* on balances of up to $15,000
  • No minimum balance

Requirements (must post between 28th of prior month and 27th of current month)*

  • Minimum of ten (10) Point West credit card transactions per month
  • Enrollment in free e-Statements
  • Enrollment in free Online Banking
  • $500 direct deposit per month

Business Bonus Checking

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must make a minimum of ten (10) Point West debit card transactions per month, be enrolled in Online Banking and eStatements, and have a direct deposit of at least $500 per month to their Point West account. See full rates details and disclosures >>

$0 - $15,000

0.50%

0.50%

$15,000+

No dividend

No APY

Account Details

  • 0.50% APR* on balances of up to $15,000
  • No minimum balance

Requirements (must post between 28th of prior month and 27th of current month)*

  • Minimum of ten (10) Point West debit card transactions per month
  • Enrollment in free e-Statements
  • Enrollment in free Online Banking
  • $500 direct deposit per month

Investment Services

Investment Services at Point West can help you in many areas of your financial life. Schedule your no obligation consultation with Dean Eisenbraun, Financial Advisor and Point West Business Partner, today.

Learn About Services

Business Services

Managing cash flow for your business can be simplified with free online service at Point West. From check imaging, to bill pay, account history and loan payment access, managing your business finances just got easier.

Manage Your Business

Loans Simplified

As a not-for-profit, member-owned, Portland, Oregon based credit union, we return the money we make to our members in many ways, including low loan rates. Compare our loan products and rates today.

Apply Now

Disclosures

*Dividend Rate/APY may change at any time. No enrollment is necessary to receive Dividend Rate/APY. Dividend Rate/APY are applied to balances up to $15,000. Dividend Rate/APY is accrued daily and paid monthly. Dividend Rate/APY is applied to one checking suffix per account. Dividend Rate/APY is only applied to one account per primary member. Requirement period runs from the 28th of the prior month to the 27th of the current month. Eco Checking requires 10 Point West VISA credit card purchases, enrollment in online banking, a direct deposit or multiple direct deposits totaling $500 or more from an external source, and enrollment in e-Statements in the requirement period. Bonus Checking requires 10 Point West debit card purchases, enrollment in online banking, a direct deposit or multiple direct deposits totaling $500 or more from an external source, and enrollment in e-Statements in the requirement period.  Loan discounts do not apply to VISA credit cards.

APY = Annual Percentage Yield. Point West Credit Union is a member-owned cooperative and pays dividends (interest) based on current earnings. Future rates cannot be guaranteed. Dividends are computed from day of deposit to day of withdrawal and posted on the last day of the month. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency on compounding for an annual period. See our Fee Schedule for complete details on individual fees charged for specific services. Call Member Services at 503.546.5000 for additional service or assistance. Truth in Savings Disclosure.

Savings and Money Market Transfer Limitations – Up to six (6) transfers per calendar month, per suffix/account. The transfer limitation applies to preauthorized, automatic, overdraft, and telephone transfers (including the Speedyline and Online Banking) to another account of yours or to a third party. A preauthorized transfer includes any arrangement with Point West Credit Union to pay a third party from your account upon written or oral orders (such as your automobile insurance company or health club), including orders received through the Automated Clearing House (ACH). There is no limit on the number of transactions you may make to another Point West Credit Union account or withdrawals (checks made directly to you) when such transfer or withdrawal is initiated in person, by mail or at an ATM.

*$2 fee for mailed paper statements. No fee in enrolled in paperless  e-statements.

†The first 5 ATM transaction per month are free. A $1.00 fee will be assessed for each CO-OP ATM transaction thereafter.

††Online Bill Pay is provided at no cost for active users. If Online Bill Pay account is inactive for 90 days a $10 monthly fee will be assessed until it is active again.

^Checking account schedule of fees and charges apply. Members must have a minimum balance of $5 in their share (savings) account and be a member in good standing to qualify.

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