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. 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. Flex Checking Type Balance Dividend* APY* *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. Visa Debit Card Holder $0 - $5,000 1.50% 1.489% Visa Credit Card Holder $0 - $15,000 3.00% 2.959% Point West Visa Debit Card member? Earn up to 1.50% APY* on balances up to $5,000 by: 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** Point West Visa Credit Card member? Earn up to 3.00% APY* on balances up to $15,000 by: 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.** Back to top of page 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. Read the Guide 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 *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.