VIVA Checking
Long live opportunity. Long live you.
VIVA Checking is designed to help you move forward when past credit challenges or a ChexSystems record have held you back. This account gives you a safe, affordable way to rebuild and thrive.
Long live simplicity.
VIVA Checking takes the guesswork out of banking—no hidden fees, no unnecessary extras, just the essentials you need to manage your money with confidence.
You’ll have access to:
- Checkless account—no temporary or regular checks
- No overdraft fees*
- No NSF fees
- No inactivity fee
- No courtesy pay
- No dividends
VIVA Checking Account Benefits
No Overdraft Fees
Your money, your control. With VIVA Checking, you’ll never pay overdraft or NSF fees.*
In-person teller services
Access over 5,000 CO-OP Shared Branches (including 2,000+ self-service locations) across all 50 states, Puerto Rico, Guam, and global military bases.
Free VISA Debit Card
You’ll receive a free VISA Debit Card with your VIVA Checking account opening!
e-Statements
Opt for eco-friendly, paperless statements delivered to your inbox each month.
Mobile and Online Banking
Enjoy Mobile Check Deposit, Bill Pay, and much more! With advanced security measures, you can rest assured your financial information is secure wherever you go.
Financial Education Resources
With Credit Pathways, personalized plans to boost your credit with tools like rent reporting and credit builder loans, helping you reach your financial goals.
Digital Banking, the VIVA Way
Long live banking on your terms. Stay on top of your money anywhere with our secure online and mobile banking:
- Mobile deposit for checks, right from your phone.
- Online Bill Pay with one‑time or recurring payments.
- Secure login and account controls for peace of mind.
- e-Statements for eco-friendly, paperless monthly statements
Compare our Checking Accounts
All checking account products require an open savings account. If you do not currently have a savings account with us, one must be opened at the time of account creation. This applies to new and existing members.
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Best if you want
Best if you want
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Dividend Rate
Dividend Rate
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Is there a Monthly Fee?
Is there a Monthly Fee?
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No minimum balance
No minimum balance
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Requirements
Requirements
VIVA Checking
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Best if you want
Simplicity, flexibility, and fee‑transparency.
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Dividend Rate
N/A
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Is there a Monthly Fee?
Account Maintenance Fee: $5/mo
Paper Statements Fee: $2/mo
e-Statements are available at no cost.
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No minimum balance
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Requirements
- Must have an open Savings Account**
Flex Checking w/ Visa Debit Card
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Best if you want
A simple, straightforward savings with hassle-free access to your funds and solid returns.
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Dividend Rate
1.50% APY1 up to $5,000
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Is there a Monthly Fee?
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No minimum balance
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Requirements
- Must have an open Savings Account**
- Enroll in Online Banking
- Enroll in paperless eStatements
- Minimum $500 Direct Deposit each month
- Complete 15 Point West Visa Debit Card transactions during the month3
Flex Checking w/ Visa Credit Card
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Best if you want
An account to maximize your earnings with great returns, enhanced rewards, and a high APY.
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Dividend Rate
3.00 APY1 up to $15,000
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Is there a Monthly Fee?
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No minimum balance
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Requirements
- Must have an open Savings Account**
- Enroll in Online Banking
- Enroll in paperless eStatements
- Minimum $500 Direct Deposit each month
- Complete 15 Point West Visa Credit Card2 transactions during the month.3
VIVA Checking is Bank On certified!
Long live clarity. This seal isn’t just a badge—it’s a promise. Bank On National Account Standards set the bar for safe, affordable, and transparent banking. By meeting these standards, VIVA Checking ensures:
- No overdraft or NSF fees—ever.
- Low, predictable monthly cost with no hidden charges.
- Checkless convenience and a free debit card.
- Digital access that keeps you connected anywhere.
Bank On certification means you can trust VIVA Checking to deliver banking that works for real life—clear, fair, and built for you. Long live confidence. Long live opportunity.
Long live financial freedom.
Start your journey with Credit Pathways and watch your goals come to life.
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Open your VIVA Checking Account
Disclosures
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*A fee will be assessed on your account in the event of an overdraft. This fee will be reimbursed to you the following business day.
**All checking account products require an open savings account. If you do not currently have a savings account with us, one must be opened at the time of account creation. This applies to new and existing members.
1APY = 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.
2Visa credit card loan subject to credit approval. Contact Point West Credit Union for complete details at 503.546.5000. Federally insured by NCUA.
3Transactions for Point West credit/debit cards must post between the 28th of the prior month and the 27th of the current month to qualify.
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 of 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.
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.