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OnPoint Mobile

OnPoint Mobile

by OnPoint Community Credit Union

25K ratings
1910 reviews
💼 Business
💰 Finance
Free

Details

Released
August 7, 2017
Updated
July 21, 2026

Features

Developer

OnPoint Community Credit Union
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About

Manage your finances securely on the go. Check balances, transfer funds, pay bills, and deposit checks remotely. Business members can also manage users and generate ACH payments.

✓Secure sign-in with biometrics
✓Bill management and payments
✓Send money to contacts
✓Account fund transfers
✓Card management (travel notifications, freeze)
✓Mobile check deposit
✓Transaction search and eStatements
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What users say about OnPoint Mobile

Reviews of OnPoint Mobile are mixed: the Finance app is rated 4.6/5 from 25K App Store ratings. What users like most: user-friendly app, convenient mobile banking features. Top complaints: buggy mobile deposit feature, slow transaction updates. Summarized from real user reviews.

Positive things

  • 👍User-friendly app
  • 🚀Convenient mobile banking features
  • 🔒Robust security with biometric login
  • 💡Helpful customer service

Negative things

  • 🐛Buggy mobile deposit feature
  • ⏱️Slow transaction updates
  • 🔀Confusing account management
  • 🤔Lack of customization options
See all reviews

What's New in OnPoint Mobile

9.1.260601

July 21, 2026

We're continually working to optimize your mobile banking experience. This update includes improvements and general bug fixes.

User reviews

Most RecentHighest RatedLowest Rated

Not Much

Has a lot going for it, but difficult to negotiate.
LCLess is more in this case

Lots of features and solid performance

Great community credit union, and the app has all the features of any big bank. Really appreciate the technology team supporting this app as I’ve never had a major issue with it.
HHubbles90

Very well done

Good logical flow. Good quick access with facial recognition
RRO'Gie

Transfers

it doesn’t give much detail on transfers from external accounts and at times it takes it twice
SSheviraj

Love the clear navigation!

I’ve been using this app and website for more than 5 years. It has greatly simplified my banking process. The entire team, including web developers are in live with excellent customer service.
KMKatthor at Mountainside
See 1905 more reviews

Developer apps

OnPoint Card Manager
OnPoint Card Manager

by OnPoint Community Credit Union

💰 Finance

(31)

Free
See developer apps

User experience

🐞

Reported Bugs

4 issues

Mobile app crashes and freezes

Bug

Inconsistent behavior when switching between app and website

Bug

Transactions disappearing from account history

Bug

Unreliable mobile deposit process

Bug
✨

Requested Features

4 requests

Add option to change default mobile deposit category

Feature

Improve bill pay functionality with better scheduling and tracking

Feature

Allow users to rearrange account order and hide unused accounts

Feature

Implement real-time transaction updates and pending indicators

Feature

FAQ

What can I do with this banking app?

This app allows you to securely check account balances, transfer funds between your accounts and to other institutions, pay bills, send money to contacts, and deposit checks remotely. You can also manage your debit and credit cards by setting travel notifications or freezing them if lost. Business members have additional features for user management and ACH payments.

Is this app free to use?

The app itself is free to download and use. While the description mentions in-app purchases, it does not specify what these are. Standard banking transactions may be subject to fees depending on your account type and the specific service used.

How secure is my financial information with this app?

The app prioritizes security by offering secure sign-in options like Touch ID and Face ID on supported devices. It also provides features like card freezing for peace of mind and secure transaction management to protect your financial data.

Can I deposit checks using this app?

Yes, you can deposit checks directly through the app without needing to visit a branch or ATM. The app allows you to view cleared check images and mobile deposit check images for your records.

What are the business-specific features?

For business members, the app offers the ability to add entitled users and control their access rights and limits. It also facilitates the generation of ACH payments, such as for payroll, though an ACH Agreement is required prior to using these services.