Looking for a great local bank or credit union.

Mrs.A&J

I want to get all of our banking switched over to a local bank or CU, but there are so many and I need some help, so please share your experiences. My one requirement is a great online banking system with bill pay service for free.

TIA!

LisiLynn

Of the half dozen or so we have accounts at my two favorites are OnPoint and First Tech.

The_Jen626

I love OnPoint!  We've been with them for about 5 years now, they are great, we have had no problems whatsoever.  They have great rates for loans also.  Their website is very easy to use.

heyrachel18

onpoint is without a doubt the best bank i've ever been a part of! they do everything better than other banks do - like immediately crediting personal checks to your account that you deposit via the atm, refinancing credit cards for a super low interest rate, and their online system is super easy to use, too.

mrspdxbride06

We just shifted our main banking over from WF to OnPoint CCU. They've been fantastic to work with so far. We also have accounts with Unitus CU and Oregon Community CU. I haven't ever done all of my banking with a CU before so I can't really compare Unitus or Oregon Community CCU with OnPoint since it's most just savings and car loans I've had with the other two.

OnPoint does offer online bill pay but unless you have the checking with a minimum balance of $500 or something, it's $3.95/month. However, at the current postage rate, that's nine payments per month.

Jeff & Em

We have an account with OnPoint that we had to set up for a car loan with them.  We haven't had any issues with them, but we don't use them for our primary banking.  I never really thought about why we don't.  I guess I'll talk to Jeff about it later when our checks run out. 

daisygirl17

While we don't have an account with them yet, I too have heard wonderful things about OnPoint. We're going to get an account with them once I start my job...but I remember back in June when I posted here about it, I got basically the same comments, everyone LOVED OnPoint...so I'm thinking you can't go wrong with them

JeniLovesNeil

DH did a lot of research on banks/CU's and decided to go with Key Bank.  They're not a CU, but have great customer service and seem to be pretty ethically run - if that's possible for a bank! 

estherandgeoff2

We're also with OnPoint. I like that we have our car loan through them as well as checking and savings. You can use any CU's ATM to get cash and for depositing checks as well. You can also use US Bank ATM's to deposit checks without a penalty.

However, for bill paying and saving money I use ING Direct which is an online bank. The bill pay is free and I have it linked to my OnPoint account. It takes about 3 business days to transfer from one to the other. But at ING I have 1.2% interest (was 4.5% when the economy was good) and I can create as many accounts as I want and name them differently to save up for different things. If you're interested in ING let me know and I can send you a referral. You could get $25 free if you set up a savings acct with $250. 

bula

I don't have any experience with OnPoint; however, I can't rave enough about Umpqua. Love the customer service. 

LegalLovers2

I love ING Direct we have a checking and savings accounts with them, they're great.  I cannot wait until the interest rate goes back up!

For day to day banking, we also love OnPoint.  

Mrs.McGuire

We have Advantis Credit Union and LOVE them.  My favorite part is how incredibly nice they are to customers, the online Finance Works that I have access to is super handy, and the interest checking account kicks ass.  HTH