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

  • 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 VISA Debit Card

    You’ll receive a free VISA Debit Card with your account opening!

  • 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.

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.

Apply Now

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.

Apply Now

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 solid rate without any frills.

  • Dividend Rate

    1.50% APY* up to $5,000

  • No monthly fee

  • No minimum balance

  • 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

  • Best if you want

    An amazing rate with the flexibility of a credit card.

  • Dividend Rate

    3.00% APY* up to $15,000

  • No monthly fee

  • No minimum balance

  • 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

  • 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!

Become a member

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.

External Link Warning!

You are about to leave Point West Credit Union’s website. The linked site is not owned or operated by Point West and we are not responsible for the availability, content or security of the linked site. Point West is not responsible for any claim related to the goods or services obtained from the linked site. The privacy policies of the linked site may differ from those of Point West and we are not responsible for compliance with those policies.

Go Back to Point West Continue to Link Location