OnPoint Community Credit Union

Why can’t I get my money!!! I have been trying to get groceries for 3 hours. I transferred money to all different cards on my account and no one sees it. Declined at the register, declined at the atm, then drove to one of your branches and declined at that atm. I call telephone teller to try and transfer it that way to see if maybe it’s a problem with your online and the telephone teller says it’s having technical difficulties and routes me to a line that says you are closed. 3 hours now and I have no access to my money and my fiancé standing at the store with our groceries. This is ridiculous.
This is the third time I have had this issue with onpoint and they always blaim the atm companies but I never had this problem when I had Wells Fargo or chase.

I’ve had two accounts at OnPoint since 1983. It was Portland Teachers then. I’ve never really needed them but I always keep at least one account just for convenience. It comes in handy for coins and check cashing and the service has always been great at every location I have been to.
One disadvantage is that they have never been helpful with loans. I have good credit, I’ve purchased several cars and one house, I have used and paid off credit cards, but every time I’ve applied for any kind of loan or credit line at onpoint they have never approved. I’m not sure why so I just go through a major bank for those things instead.
Onpoint has great locations and many ATMs and partner ATMs. One thing they don’t have is partner ATMs in shopping malls, which is a minor annoyance.

Meh. It’s okay for a no frills checking account, but anything more the fees are outrageous. A money order costs more here than the post office. There checks are triple what you would find online. You get charged for everything.

I like my OP CU! However, today’s experience was a very long wait. I needed to take care of banking business with a customer rep not a bank teller. I waited and waited, along with 3 other people… They seemed to have 1 staff person to fit this bill at rush hour after work. Not good.

we arranged to have only a savings account and ATM for our special needs daughter. we explained she only functions at the second grade level and my husband who is legal guardian would be on the account. HOW WAS SHE ABLE TO CANCEL THIS ACCOUNT WITHOUT MY HUSBANDS PERMISSION??? WE SPENT OVER 30 minutes discussing this situation with the banker!!!

I’ve come here on several occasions and always got some excellent friendly service. My wife and I have been banking here for many many years and we were both always very pleased. I have even come here with my father to deal with some of his personal accounts and we got an excellent service then as well.

Worst credit union EVER. STAY AWAY. They have lied to me about check protect being active and have not only returned my checks (I don’t overdraw often), but then charged me numerous fees for them. I even got a call from their LP center, where both the agent and the manager were extremely rude! The manager shut my debit card down without giving me a chance to talk to her, then hung up on me. My card had been stolen but they didn’t care. Ridiculous.
Recently I went in to send a wire and they made me wait for almost ½ hr for somebody to help that supposedly knew what they were doing. I watched a person come out of a room that does these things, clearly saw two of us waiting, but proceeded to meander and empty trashes instead of help the clients. The man was nice but absolutely out of it. I wrote down on a piece of paper CLEARLY, all the info they would need, step by step, and he still kept asking me questions because he didn’t get it.
I’ve encountered a few nice tellers, but the managers are incompetent, and rude as hell.
I went in today and brought my change in to be counted by the self-​serve machine. When I got up to the counter, the teller said I apparently was overdrawn by $ 30. My coins were $ 17.25. End of the month, needed money for gas and food. She said she had to get approval for me to get the cash. Not more than a minute later she told me her manager declined me. She snatched the ticket out of my hand and applied to my account without my permission.
Most of my family has now left this credit union and now I will be too.

AFTER ALMOST 20 YEARS, LOOKING FOR A NEW BANK
I have been a member of this credit union for many years, since when it was Portland Teachers’ Credit Union. The idea of being a member of a locally based credit union matches my values, so I am very disappointed that I now need to close my account.
I just had a terrible experience with On Point, involving misinformation which the Credit Union gave my about my ability to use my debit card to withdraw funds while overseas. It is a long story, but suffice it to say that as a result of On Point’s oversight and ineptitude, I was stranded in Myanmar with no ability to access my money. I had done everything I needed to do before leaving the U.S. and when I contacted On Point about this problem from Myanmar (which was complicated itself), the only answer I got was, «Sorry for the inconvenience». All of my other travel companions, all of whom had U.S. bank accounts, some of which were credit unions, had no trouble using their debit cards in Myanmar.
Now that I am home I have tried to contact someone at the Credit Union to try to rectify this problem for future travelers. Not only is there a 20 minute wait every time I call, but no one there seems to be willing to address this issue.
If you are looking for a bank that you can depend on and use while traveling, ON POINT IS NOT IT! Save yourself the experience I had and go elsewhere.

I am a fairly easy to please customer. Just don’t charge me unnecessarily, and I won’t complain. One of the reasons I left my big bank was the stupid little unnecessary charges. OnPoint is no different from a big bank. It’s one of the least customer-​friendly banks I’ve used. I just closed my account and signed up with a credit union that actually puts the customer first.
Here are some of the reasons I closed my account:
–charged $ 15 for a third-​party check deposit and would not authorize the deposit. When I called to complain, they refused to reverse the fee. Their explanation is «most banks have this policy these days.» I’ve never had a bank bat an eye at third-​party check deposits, and I called around to other banks who said they do not have this policy
–online banking and bill pay were often down on the first day of the month which is when I (and probably most people) get paid and pay bills!
–they charge $ 3 to transfer money from saving to checking for overdraft protection. The new credit union I joined does not charge for overdraft protection. Why do they need to charge $ 3 to transfer money that’s already there???
— I had an unauthorized charge on my account which caused an overdraft and subsequent fees and they refused to me refund the fees. Told me to «Take it up with them» RE: the business that made the unauthorized charge.
–Bill Pay takes 3 – 5 days to make a payment. Most other banks I’ve used, bill pay is either instant or 2 days at most.
I would shop around the other local credit unions such as Advantis and Unitus before signing up with OnPoint.

Worst mortgage refinance experience ever. I am approximately 24 hours away from closing all of my accounts and moving my car loan to another credit union. I’ve been a relatively happy customer at OnPoint (and PTCU before that) for over 10 years, and this experience changed it all.
Though, in their very own words, they made a total mess of it, what do you want to bet I’ll get any of my «deposit» back?

One of the best banks I have ever seen. Been with these guys when they were Portland Teachers Credit Union and I never really had any problems with them other than my debit card not working a few times. I also kinda hate the mobile banking. I try to log on to my account and nothing happens (probably because my phone doesn’t like the security question thing popping up). But I like this bank. :)

We recently left Chase to join OnPoint. Chase is the devil.
April at OnPoint (205 branch) made us feel like banks used to do business, welcome. The whole process was very smooth and I would recommend anyone to OnPoint.
Waiting for the OnPoint iPhone app… hurry up! :)
Warning! The mobile banking is terrible. If you do any banking this way, DO NOT become a member until this is rectified.

I joined Portland Teachers Credit Union many years ago and had great luck with them. When they were taken over and the name changed to Onpoint Credit Union, I continued to do business with them. I didn’t think it was possible, but they’ve improved from their days as Portland Teachers. I’ve had accounts with First Interstate Bank, Wells Fargo, and US Bank in the past, and I frankly don’t know why anyone would choose to do their banking with a Bank rather than a Credit Union. Of course, Bankers probably wonder the same thing about us Credit Unioners. However, I would encourage anyone to try out a Credit Union, and in particular, Onpoint Credit Union. This branch is conveniently located in a strip mall on SE Washington St, near Mall 205. The staff is excellent. Always very helpful and pleasant. The loan process at Onpoint is fantastic. The rates are untouchable and the ease of obtaining loans is unmatched. I’ve purchased many vehicles over the years, and the Auto Dealerships are NEVER able to match the rates I can get at Onpoint. For example, I purchased my last new vehicle on Labor Day of 2008. New Lexus, purchased at 3.94% interest. The dealership told me they had the best rates, but when we sat down, they couldn’t come close to that rate. Of course, rates change all the time and there may be better rates available right now, but at the time, that rate was well below anything the dealership could do. Purchased my last used vehicle from an Acura/​Lincoln Dealership 3 years ago. They couldn’t come close to matching the 4.99% rate I got through Onpoint at that time. Onpoint normally offers 100% financing on New AND Used vehicles, at incredible rates. Today is July 22, 2009. The rates this minute are 100% financing of New vehicles for up to 84 months at 3.99%. For Used vehicles model year 2000 or newer, they offer 100% financing for up to 60 months at 4.49%. They work with every dealership that I’ve done business with. The dealerships are able to access Onpoint and secure financing while you’re sitting in the dealership. In closing… look into the rates, fees, and services available through Credit Unions, and especially consider doing your banking with Onpoint Credit Union.