Checking Accounts
Locally-owned. By you.
Point West offers a unique blend of personalized, small-town service and a comprehensive array of competitive products. With Flex Checking, enjoy the benefits and bonuses exclusive to our members.
Checking Account Benefits
Nationwide ATM Access
Enjoy access to nearly 30,000 surcharge-free CO-OP ATMs† nationwide, ensuring you can withdraw cash whenever and wherever you need.
In-person teller services
Access over 5,000 CO-OP Shared Branches (including 2,000+ self-service locations) across all 50 states, Puerto Rico, Guam, and global military bases.
Free VISA Debit Card
You’ll receive a free VISA Debit Card with your account opening!
e-Statements
Opt for eco-friendly, paperless statements delivered to your inbox each month.
Mobile and Online Banking
Enjoy Mobile Check Deposit, Bill Pay, and much more! With advanced security measures, you can rest assured your financial information is secure wherever you go.
Financial Education Resources
With Credit Pathways, personalized plans to boost your credit with tools like rent reporting and credit builder loans, helping you reach your financial goals.
Flex Checking
Your all-in-one rewards checking account. We’re keeping all the things you love, like no monthly fees, no minimum balance requirements and access to over 30,000 CO-OP ATMs across the country – but with Flex Checking, you can now earn even more on your balances based on how you use your account every month.
Fresh Start Checking
Fresh Start Checking is a second chance checking account for members who do not qualify for Standard Checking because of damaged credit and/or a ChexSystems record. If you have a ChexSystems record owing money, this debt needs to be paid prior to opening a Fresh Start Checking Account. Speak with a Member Service Representative about this product to see how you can get your finances back on track.
Compare our Checking Accounts
-
Best if you want
Best if you want
-
Dividend Rate
Dividend Rate
-
No monthly fee
No monthly fee
-
No minimum balance
No minimum balance
-
Requirements
Requirements
Flex Checking w/ Visa Debit Card
-
Best if you want
A simple, straightforward savings with hassle-free access to your funds and solid returns.
-
Dividend Rate
1.50% APY* up to $5,000
-
No monthly fee
-
No minimum balance
-
Requirements
- Enroll in Online Banking
- Enroll in paperless eStatements
- Minimum $500 Direct Deposit each month
- Complete 15 Point West Visa Debit Card transactions during the month**
Flex Checking w/ Visa Credit Card
-
Best if you want
An account to maximize your earnings with great returns, enhanced rewards, and a high APY.
-
Dividend Rate
3.00 APY* up to $15,000
-
No monthly fee
-
No minimum balance
-
Requirements
- Enroll in Online Banking
- Enroll in paperless eStatements
- Minimum $500 Direct Deposit each month
- Complete 15 Point West Visa Credit Card transactions during the month.**
Fresh Start Checking
-
Best if you want
A second chance checking account due to damaged credit/ChexSystems.
-
Dividend Rate
N/A
-
No monthly fee
$10
-
No minimum balance
-
Requirements
N/A
Open your Checking Account
Disclosures
-
*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must meet outlined requirements for the month to be eligible. Members may only qualify for one of the stated rates above each month. **Transactions for Point West credit/debit cards must post between 28th of prior month and 27th of current month to qualify. ***Visa credit card loan subject to credit approval. Contact Point West Credit Union for complete details at 503.546.5000. Federally insured by NCUA.
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.
†There is no charge for the first 5 CO-OP ATM transactions per month. 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.