OnPoint Community Credit Union
Reviews and Complaints

I have mobile check cahing fraud on my account. Someone cashed 2 checks in my name i didnt authorize. A tablet was stolen from my car and it had all info on it. When they did the supposed investigation they didnt even address the fraudulent checks and only addressed that money went back and forth via cash app. The first month they gave me my ssi check but wouldnt issue a debit card. The next month i went in and the teller said it was resolved and gave me a debit card. Yhe next day i went to pull money out and my ssi check was gone and i was 2000 dollars negative. The credit union says i am liable and wont return my money. I cant pay my rent or eat. I need help!

I had just opened a substantial loan account and checking account and within 10 days they close my son's accounts and tell him to come get the last few dollars from his checking and savings and they are not going to keep him as a member. How is this logical?! How can I feel good about continuing to stay with an institution who treats my family like that, and family who have been a part of that institution for longer then me?!

My son has had accounts with OPCCU for many years. Checking, savings, auto loans, credit cards, the works. I also just enrolled with them and took out a personal loan with them to cover his loans and consolidate the debt w/ me, which then he could pay to me through his accounts and pay off the debt without having to worry about falling behind on his auto loan, credit card, etc. as he recently became a single dad of 2 small children and was not able to sustain employment at this time.

More importantly how is this "credit union" behavior? We bank with credit unions instead of traditional banks because CUs generally treat members like family. Clearly this one does not! I will now be getting my loan paid off as quickly as possible and not giving them a penny more than what they loaned me! We may likely have opened more lines of credit in the future, applied for auto loans, mortgages, etc., now now, for sure.

As well, I will never recommend their institution to anyone at this point. Where I come from reputation, integrity and word of mouth are important. Clearly OPCCU cares more about the bottom line than they do their members. Don't call yourselves a Credit Union if you are going to get too big for your branches and operate like a bank!

Today 12/2/20 I got a call from Columbia Credit Union saying my car payment I made on the 17th of November did not clear my bank. I called Onpoint Credit Union to find out why my check did not clear since I had thousands in my checking account. I tried explaining to her that I was notified me check didn't clear and asked why? She said Columbia Credit sent it to my savings account and not my checking account. I said I have been paying this way for over two years and it has always came out of my checking account. She was beyond furious and said it's not our fault and we will not reverse the $30.00 fee call Columbia Credit. She spoke to me a customer who has been with them for over 30 years like I was a nobody to them...this bought me to tears to be treated in this manner. After being treated like a second class citizen she cut me off trying to explain that this is the same account I had been using for years and it always pulled from my checking account and not my savings account. She cut me off saying in a nasty way "you have a great day and hung up in my face...unbelievable! I called Columbia Credit Union and told them that Onpoint said they sent the payment through my savings account and they are the ones who made the mistake and not Onpoint. She was so nice and said they have been sending the payments to this account for years and didn't understand why this happened. I was crying so hard because my feelings were hurt she said not to worry she would take my payment over the phone and waive the late fee. She helped me setup automated payments so I would never have to deal with Onpoint again. I am taking my business to someone else who appreciates me. I am deeply hurt by my experience with Onpoint today. I am in the process of moving all my accounts as far away from them as I can. Their customer service is killing this Company with their attitudes and how they treat customers. I read the complaints and if I had not experienced the same treatment I probably wouldn't have believed it, but I truly believe now! 30 years with Onpoint and this is how I'm being treated!

I have a credit union account with Schools Financial Credit Union in Sacramento, CA which is where I retired before moving to the Northwest. I decided to find a local credit union and switch the direct deposit of my pension. I visited the branch in the Safeway at 63rd & Andresen where I sat with the credit union rep and went through everything step by step. Since I'm a senior and I would have direct deposit, I would get an account with no minimum balance fees or other monthly fees and charges. The rep was very courteous and friendly and she seemed very efficient. This was the first of the month so my pension had already deposited in my current Schools account.

To open an account at OnPoint, all I needed was $20 - $5 membership fee deposited in savings and $15 in checking. It looked like all was going well. As most people who have direct deposit know, it takes a full pay cycle before a change of direct deposit takes effect. Since this was the first of August, my direct deposit did not take effect until the first of October. However, on the first of September I logged on to my account online and there was a 'low balance penalty fee' of, I think $7, deducted from my $15.

Instead of taking chances with a phone call, I went to the Safeway branch and talked to a different rep and pointed this out. He brought up my account and said the wrong account had been opened so he reversed the charges and changed the type of account to the correct one. I also discovered, the hard way, that they take their website down the night of the last day of the month in order to calculate interest earned - which isn't convenient if you're waiting for your money to be released. My former credit union always took theirs down on a Sunday night, once each quarter to calculate interest. My former credit union also released my pension funds 2 days before the actual direct deposit date while OnPoint did not release the funds until 9 am on the morning of the actual direct deposit date. I was so spoiled by Schools letting me have my money as soon as they got the electronic transfer which is always 2 days before the actual direct deposit date set by my ex-employer.

Also, OnPoint charges $30 NSF (not that I had a chance to bounce anything) while Schools charges $19 (just increased from $17). So, while OnPoint is definitely not the worst financial institution I've ever dealt with (US Bank holds that distinction), they seem more like a bank masquerading as a credit union.