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. Eco 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. The Benefits of Checking at Point West 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. 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. Compare our Checking Accounts Accounts Description Eco Checking We put the "eco" in economy! Earn 2.50% APR* on balances of up to $15,000. Bonus Checking Don't settle for less. Earn 0.50% APR* on balances of up to $15,000. Standard Checking Like to keep things nice and simple? "Check" it out! Fresh Start Checking Everyone deserves a second chance. Damaged credit? We're here to help! Eco Checking 2.50% APR* on balances of up to $15,000 No minimum balance 0.25% APR discounts on loans (excluding VISA ) Access to special promotions Requirements* Minimum of 10 Point West credit card transactions per month (transactions must be posted between the 28th of the prior month and the 27th of the current month) Enrollment in free e-Statements Enrollment in free Online Banking $500 direct deposit per month View Rates>> Bonus Checking 0.50% APR* on balances of up to $15,000 No minimum balance 0.25% APR discounts on loans (excluding VISA ) Access to special promotions Requirements* Minimum 10 Point West debit card transactions per month Enrollment in free e-Statements Enrollment in free Online Banking $500 direct deposit per month View Rates>> Standard Checking No minimum balance No monthly service fee 0.25% APR discounts on loans (excluding VISA ) 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. Account Details: No minimum balance $10 monthly service fee Annual & Community Reports. A recap of all the work we’ve been doing at Point West Credit Union. Read the Reports Get Back On Your Feet, Starting Today. Check out our Fresh Start Guide, where you can find useful resources that include financial education and coaching. Learn More 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 *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. †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.