Checking Accounts
Locally-owned. By you.
Point West is unique, providing a small-town personalized approach while offering an array of competitive products and services. Flex Checking and all the bonuses that come with it is just one way Point West members profit from their financial cooperative. Join us, and reap the benefits of participating in a locally-owned credit union.
Checking Account Benefits
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Access to ATMs nationwide
You can use nearly 30,000 surcharge-free CO-OP ATMs† nationwide so you always have access to cash when you need it.
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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.
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Free VISA Debit Card
You’ll receive a free VISA Debit Card with your account opening!
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Free Online Banking
Pay your bills online††, access free check imaging and re-order checks.
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Free Mobile Banking
This includes Mobile Check Deposit and free alerts for your accounts.
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e-Statements
Sign up to receive paperless statements each month.
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
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Best if you want
Best if you want
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Dividend Rate
Dividend Rate
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No monthly fee
No monthly fee
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No minimum balance
No minimum balance
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Requirements
Requirements
Flex Checking w/ Visa Debit Card
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Best if you want
A solid rate without any frills.
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Dividend Rate
1.50% APY* up to $5,000
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No monthly fee
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No minimum balance
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Requirements
- Enroll in Online Banking.
- Enroll in paperless eStatements.
- Have a minimum $500 Direct Deposit each month.
- Complete 15 Point West Visa Debit Card transactions during the month**
Flex Checking w/ Visa Credit Card
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Best if you want
An amazing rate with the flexibility of a credit card.
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Dividend Rate
3.00% APY* up to $15,000
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No monthly fee
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No minimum balance
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Requirements
- Enroll in Online Banking.
- Enroll in paperless eStatements.
- Have a minimum $500 Direct Deposit each month.
- Complete 15 Point West Visa Credit Card transactions during the month.**
Fresh Start Checking
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Best if you want
A second chance checking account due to damaged credit/ChexSystems
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Dividend Rate
N/A
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No monthly fee
$10
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No minimum balance
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Requirements
N/A
Open your Checking Account!
Disclosures
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.