OnPath Credit Union

OnPath Forward Checking

For our members who want to avoid the chance of overdraft fees or NSF fees on their accounts.

With an OnPath FCU Forward Checking Account, you will never be charged overdraft fees or NSF fees on items that do not clear. PLUS if your average daily balance per monthly billing cycle is $500 or more, the $6.95 statement cycle fee will be waived.

  • $25 minimum opening deposit
  • $6.95 month (waived if average daily balance of $500 per cycle)
  • Does not charge overdraft fees or NSF fees.
  • Not eligible for Courtesy Pay


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Checking Accounts - New

High Yield Rewards Checking Cash Back Rewards CheckingForward Checking
No Minimum Balancecheckedcheckedchecked
No Monthly Account Feecheckedchecked
Debit Cardcheckedcheckedchecked
Online & Mobile Bankingcheckedcheckedchecked
$25 Minimum Deposit to Opencheckedcheckedchecked
Out-of-Network ATM fee refund*checkedchecked
ATM privileges at 5,600 locations and 30,000 FEE-FREE ATMscheckedcheckedchecked
Free Online Bill Paycheckedcheckedchecked
Access to 10 local branchescheckedcheckedchecked
Cash Back*checked
$6.95 Monthly Fee (waived if avg daily balance of $500 per cycle is met)checked
Courtesy Paycheckedchecked

*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.


You've got questions, We've got answers...

  1. Yes. It's easy to open a new checking account and have your existing funds transferred. Just click HERE to get started.

  2. 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.