Managing your finances online has never been easier, especially when your credit union offers a reliable and secure digital banking platform. Whether you want to check your balance, transfer funds, or pay bills, having quick access to your online account is essential. This guide walks you through everything you need to know about logging in to your OnPoint digital banking account, from the basic steps to troubleshooting common issues.
OnPoint Credit Union, officially known as OnPoint Community Credit Union, is Oregon’s largest credit union. Founded in Portland in 1932, it now serves over 503,000 members across Oregon and Washington, with $9.4 billion in assets and 55 branch locations. Its digital banking platform gives members 24/7 access to their accounts from any device.
How to Log In to OnPoint Digital Banking
Signing in to your OnPoint account is a straightforward process. Follow these steps to access your account from a desktop or mobile browser:
- Open your browser and go to onpointcu.com
- Find the Digital Banking login box on the homepage
- Enter your OnPoint Login ID — this is not your member number
- Type in your password and click the Login button
- If you are signing in from a new device, you will receive a Secure Access Code (SAC) sent to your phone or email
- Enter the SAC to verify your identity and complete the sign-in process
- You will land on your dashboard where you can view accounts, make transfers, and pay bills
The Secure Access Code is a one-time code that adds an extra layer of security when you log in from an unrecognized device. This helps protect your account from unauthorized access.
OnPoint Login ID vs. Member Number
Many members get confused between their Login ID and their member number. These are two different things, and it is important to know the difference.
- Your member number is assigned when you join OnPoint. It appears on your debit card and account statements.
- Your Login ID is a custom username you created when you enrolled in Digital Banking. It is not your member number or Social Security number.
Always use your Login ID when signing in to the online banking portal or the mobile app.
How to Enroll in Digital Banking for the First Time
If you are a new member or have never used OnPoint’s online banking before, you will need to enroll first. Here is how to get started:
- Go to onpointcu.com and click the Enroll button in the Digital Banking login box
- Enter your member details to verify your identity
- Create your Login ID and password
- Set up your security preferences
If your information does not match what is on file, call 800.527.3932 for assistance.
Common Login Issues and How to Fix Them
Forgot Your Login ID
If you cannot remember your Login ID, click the Forgot Login ID link on the login page. You can also call 503.228.7077 Monday through Saturday to recover it with the help of a representative.
Forgot Your Password
Click the Forgot Password link on the login page. You can reset your password through your email or phone number in just a few minutes. The process is quick and does not require you to call customer support.
Account Locked
Your account will lock after too many incorrect password attempts. To unlock it, use the Forgot Password link on the login page. You can also call 503.228.7077 for help during business hours, Monday through Saturday.
Logging In with Face ID or Touch ID
OnPoint’s mobile app supports biometric login for added convenience. To enable it, open the app and go to Menu, then Security Preferences, and select Touch/Face ID. Once enabled, you can sign in with just a glance or a fingerprint.
Using the OnPoint Mobile App
The OnPoint Mobile app is available for both iOS and Android devices. It offers the same features as the desktop version, including account management, fund transfers, bill pay, and mobile check deposit. The app is designed to be user-friendly and secure, making it easy to manage your finances on the go.
Digital banking through the app is available 24 hours a day, 7 days a week. Phone support is available Monday through Saturday at 503.228.7077 if you need additional help.
Conclusion
Accessing your OnPoint Community Credit Union account online is simple once you know the steps. Whether you are logging in for the first time or troubleshooting a login issue, this guide covers everything you need. From understanding the difference between your Login ID and member number to enabling Face ID on the mobile app, OnPoint makes digital banking easy and secure for all its members. For any issues you cannot resolve on your own, their support team is just a phone call away.






