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.

Eco Checking

Balance

Dividend*

APY*

*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must make a minimum of ten (10) Point West VISA credit card transactions per month, be enrolled in Online Banking and eStatements, and have a direct deposit of at least $500 per month to their Point West account. Requirements must post between 28th of prior month and 27th of current month VISA credit card loan subject to credit approval. See full rates details and disclosures >>

$0 - $15,000

2.50%

2.529%

$15,000+

No dividends

No APY

Account Details

  • 2.50% APR* on balances of up to $15,000
  • No minimum balance

Requirements (must post between 28th of prior month and 27th of current month)*

  • Minimum of ten (10) Point West credit card transactions per month
  • Enrollment in free e-Statements
  • Enrollment in free Online Banking
  • $500 direct deposit per month

Bonus Checking

Balance

Dividend*

APY*

*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must make a minimum of ten (10) Point West debit card transactions per month, be enrolled in Online Banking and eStatements, and have a direct deposit of at least $500 per month to their Point West account. See full rates details and disclosures >>

$0 - $15,000

0.50%

0.501%

$15,000+

No dividends

No APY

Account Details

  • 0.50% APR* on balances of up to $15,000
  • No minimum balance

Requirements (must post between 28th of prior month and 27th of current month)*

  • Minimum 10 Point West debit card transactions per month
  • Enrollment in free e-Statements
  • Enrollment in free Online Banking
  • $500 direct deposit per month

Standard Checking

Account Details

  • No minimum balance
  • No monthly service fee

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

*APR=Annual Percentage Rate. 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.

External Link Warning!

Usted está saliendo del sitio pointwestcu.com. El sitio vinculado no es propiedad ni está bajo el control del credit union. El credit union no es responsable de la disponibilidad, el contenido o la seguridad del sitio vinculado. El credit union no es responsable de ninguna reclamación relacionada con los bienes o servicios obtenidos del sitio vinculado. Las políticas de privacidad del sitio vinculado pueden diferir de las del credit union y este último no es responsable del cumplimiento de dichas políticas.

 

Go Back to Point West Continue to Link Location