Secure Account Access

OnPoint Online Banking

Manage your OnPoint Credit Union accounts from any device, 24 hours a day. Secure login with multi-factor authentication.

Member Login

1945Founded

$5B+Assets

250K+Members

40+Branches

OnPoint Online Banking Features

Everything you need to manage your OnPoint accounts — available 24/7 after login.

Mobile App

Top-rated iOS and Android app with mobile deposit, Zelle, bill pay, and full OnPoint account management.

Instant Transfers

Transfer funds between accounts instantly or send money externally via Zelle or ACH.

e-Statements

Paperless statements with up to 7 years of account history available from your online banking dashboard.

Account Alerts

Custom alerts for low balance, large transactions, and login activity — delivered by text or push notification.

Secure OnPoint Account Access

Log in to your OnPoint Credit Union account to view balances, make transfers, pay bills, manage cards, set alerts, and access statements — from desktop or the OnPoint mobile app.

Member Login

256-bit SSL

Every OnPoint session encrypted end to end.

MFA

Two-step verification on every login.

FDIC/NCUA

Deposits insured up to $250,000.

Fraud Alerts

Real-time monitoring on every account.

OnPoint Online Banking — FAQ

Common questions about OnPoint login and online account access.

Click Member Login to access OnPoint online banking. Enter your username and password and complete two-step verification. New members can enroll at onpointcu.com using their member number.

View balances, transfer funds, pay bills, deposit checks by photo, apply for loans, manage cards, set alerts, and download statements — available 24/7 from any device.

Yes. The OnPoint mobile app is available on iOS and Android with mobile deposit, Zelle, bill pay, card controls, and full account management.

Click Forgot Password on the OnPoint login page. A verification code will be sent to your registered email or phone. Call 800-433-7627 for additional help.

Join OnPoint Credit Union

North Carolina's credit union since 1945. Competitive rates, 40+ branches, and NCUA-insured accounts.

Online Banking Member Login