OnPoint Community Credit Union

Credit Union Details

Website

https://www.onpointcu.com/

Phone Number

503-228-7077

Email

You can send OnPoint an email by going to their online form: 
https://www.onpointcu.com/contact/

Eligibility Requirements

Anyone who meets one of the following criteria is eligible for membership:

- Lives, works, or worships in Clark or Skamania counties in Washington

- Is a family member of a person who is eligible for OnPoint membership

- Lives or works in any of the following 28 Oregon counties: Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler, and Yamhill

Information Needed to Open an Account

Legal Name
Residential Address (will accept alternative mailing address in addition to residential address)
Social Security Number
Birthday
Passport, State ID, or Driver's License
Phone Number
Email Address
Current Employer

Digital Capabilities

Online Banking, Mobile Banking, Online Bill Pay, eStatements,  Mobile Wallet

Branch Locations

A list of all of OnPoint's branch locations is available at: https://www.onpointcu.com/locations-atms/

Action Plan

Step 1: Make sure you're in a safe location, using a device your harm doer does not have access to. If you are unsure if your device is being monitored, you can go in person (In Person Action Plan), borrow a computer from a friend, or go to public spaces like a library to use a computer.

Step 2: Make sure you have all the required documents/information listed under "Information Needed to Open an Account."
If you're opening an account online, the easiest way to fund your account digitally is through a credit or debit card, so having this information ready will be helpful. If you think your harm doer monitors your credit or debit card, consider funding your account by cash (you’ll have to go into a branch office).

Step 3:  Go to OnPoint’s website and click “Join In” and then “Join Now.” This will start a new application.

Step 4:   Verify that you meet all the eligibility requirements. To apply, you must: 
- Be a legal US resident
- Be at least 18 years old
- Have a Social Security Number
- Have a debit or credit card to fund your account
- Have a government issued ID.

Step 5:   Select what kind of account(s) you want.

Note that a savings account is required because it represents your ownership stake of the credit union (e.g. membership).

If you think you'll earn more than $10 in interest, this can be a safety concern for joint filers. Read more about this safety consideration and ways to mitigate risk here. You can also call OnPoint at the number above and speak to a personal banker about choosing the right kind of account(s) for you.

Step 6:   Enter your phone number and email. It’s crucial that you harm doer does not have access to this email or phone number. If you need to make a new email, many providers provide free accounts. OnPoint will send you a text message to verify your phone number, so if you think your phone is being monitored, consider going in person to open an account.
 
Read their disclaimer about identifying information and methods in which they may contact you. Also note that they will be sending you emails about the privacy policy, membership agreement, and other information about your account.

Step 7:   After agreeing to both disclaimers, clicking next will lead to an automatic text verification being sent to your phone. Enter the code you receive. 

If your harm doer has access to your phone, be sure to delete this text. You can delete texts by: 
- On iPhone: Hold down on the text message, click “More…”, select the message(s) you want to delete, and click the trash button on the lower left corner. 
- On Android: Hold down the text message you want to delete and select “Delete” 

You can select “I didn’t receive a text, continue without it” if you do not receive SMS or have bad reception. The credit union may need you to verify your phone number in another way.

Step 8:  Select the membership eligibility requirement that pertains to you and provide the necessary information. 
Continue to enter your information, which includes SSN, birth date, and a code word. It’s important to never disclose your code word, as this will help to prevent unauthorized access to your account.

Step 9:  Select your ID Type and enter the information. You do not need to present a physical ID, as long as you have the information. (For example, driver’s license number and expiration date).

Step 10: You can opt in or out of getting a debit card or check

Step 11: Enter your employment status and certify that your Tax ID is accurate. Indicate whether you are subject to backup tax withholding.

Step 12: A confirmation code will be sent to the email address you provided. Enter the code you received to complete your application.

Note:   Our customer experience in August 2021 indicated that OnPoint has taken more than two business days to share whether or not their application for an account has been approved or denied.

Step 1: If you suspect that your phone or computer are being monitored, you can trying dropping in to an OnPoint location without making a prior appointment. Most of the time, they'll be able to accommodate you.

Step 2: If you're using a safe device, you can call to make an appointment using the number listed above or you can schedule an appointment online.

If calling to make an appointment, use the number above. Press 6 to "speak to a representative" and then 2 for "non online or mobile banking questions". If they're busy, you can select the option of getting a call back or you can remain on the line.

Once a representative answers, they'll ask for the location you'd like to schedule an appointment, preferred time and date, your name, and phone number. If you'd like to get an email confirmation, you'll need to provide email.

If making an appointment online, the first page will ask for your name, phone number, and email address. The next page will ask which location you would prefer and if you would like to have an in person meeting or a phone meeting. After completing this form, you'll get an email within a few minutes confirming your appointment.

Step 3: 
Gather all the requirement information listed under "Information Needed to Open an Account" prior to leaving.

Step 4: When you meet with the OnPoint banker, they'll walk you through which bank account is best suited to your needs and how to open an account. The banker will make sure you're eligible for membership (requirements listed above) and gather your personal information (also listed above).

Some safety and financial considerations to discuss with your banker can be found here.

Note: Remember to speak to your banker about how you want to receive mail and security measures for the account. If you file joint taxes with your harm doer, consider applying for a no interest bearing account, as interest earned in excess of $10 will require you to report it on your taxes.

Share your experiences using this action plan:

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