OnPath Credit Union
Second Chances here with Rise Checking!
OnPath FCU Rise Checking (Second Chance Checking)
 | For members who need a fresh financial start, rise to banking better with OnPath Rise checking. |
This account will help you get back on track and rebuild your banking history with access to an ATM / Debit card and online and mobile banking so you can easily access and stay connected to your account activity. After 12 months of keeping your account in good standing, you can be transferred to a regular checking account. $100 Courtesy Pay Limit after 60 days of account usage and review, $300 after 6 months. Limit changes are based on approval after review.
- Only $25 to open with a $0 minimum balance
- $10 Monthly account fee
- ATM / Debit Card
- Access to Mobile & Online Banking
- No check writing
How do I qualify?
Only offered to members who don’t qualify for other checking accounts upon Mgt approval. No check writing / Debit Card included. Rental car merchant transactions may be limited. Transfer to a regular checking type after 12mo of keeping the account in good standing. $100 Courtesy Pay Limit after 60 days of account usage and review, $300 after 6 months. Limit changes are based on approval after review.
| High Yield Rewards Checking | Cash Back Rewards Checking | Forward Checking | Rise Checking | |
|---|---|---|---|---|
| No Minimum Balance |  | | | |
| No Monthly Account Fee | | |
| |
| Debit Card | | | | |
| E-Statements | | | | |
| Online & Mobile Banking | | | | |
| $25 Minimum Deposit to Open | | | | |
| Out-of-Network ATM fee refund* | | | ||
| ATM privileges at 5,600 locations and 30,000 FEE-FREE ATMs | | | | |
| Free Online Bill Pay | | | | |
| Access to 10 local branches | | | | |
| Dividends* | | |||
| Cash Back* | | |||
| $6.95 Monthly Fee (waived if avg daily balance of $500 per cycle is met) | | | ||
| Courtesy Pay | | | ||
| Access to Zelle**** | | |
*APY=Annual Percentage Yield. APYs accurate as of 8/1/23. Rates may change after an account is opened. Minimum of $25 required to open a checking account. The following must be met each qualification cycle: (1) Log into online or mobile banking one or more times per qualification cycle (2) Be enrolled in and receive e-statements for the statement cycle, and (3) Have at least 15 debit card purchases post and settle within the qualification cycle. If qualifications are met each monthly qualification cycle for Cash Back checking, members earn 5.0% cash back on up to $200 in debit card purchases for a maximum earning of $10 per month per account. If qualifications are met each monthly qualification cycle for High-Yield Checking: (1) balances up to $10,000 receive APY of 7.00%; and (2) balances over $10,000 earn 0.50% interest rate on the portion of balance over $10,000, resulting in a range of 7.00% - 0.50% APY depending on the balance (3) domestic, out-of-network ATM fees up to $10 per month will be reimbursed on the last day of your qualification cycle. Fees may reduce earnings. If qualifications are not met on High-Yield checking, all balances earn 0.01% APY. Qualifying transactions must be posted to and settle on the account during monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle on account. ATM transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Go to www.beonpath.org to view the current Monthly Statement Qualification Cycle. To view our courtesy pay policy, go to www.beonpath.org/courtesy-pay.
* Special services fees, such as stop payment, NSF, etc. do not apply.
**A $3.00 fee will be charged anytime we transfer funds from your savings account to your checking account to cover a potential overdraft.
***For more information on Zelle, got to: https://www.beonpath.org/zelle/
You've got questions, We've got answers...
Yes. It's easy to open a new checking account and have your existing funds transferred. Just click HERE to get started.
If you keep higher balances in your checking account and seek to earn interest on that money, the OnPath High-Yield Rewards Checking Account is the right one for you. If you are seeking an account that pays you on your monthly debit card purchases, the OnPath Cash Back Rewards Checking Account may be the right option for you.