OnPoint overdraft fee
OnPoint Credit Union's personal fee schedule, effective October 1, 2026, prints a $10.00 overdraft fee when it pays the item. It prints no NSF fee when it returns the item unpaid. The wider table is US overdraft fees by bank. First Tech, also in the Northwest, prints no overdraft fee on First Tech overdraft fee.
Last updated: October 22, 2026
Last checked: Oct 2026
What the October 2026 schedule prints
Opened 22 October 2026. The dollars are on OnPoint's personal fee schedule, effective October 1, 2026. An overdraft fee, for an item OnPoint pays, is $10.00. OnPoint will not charge an overdraft fee if the account is overdrawn by $10 or less. The maximum overdraft fees that can be charged in one day is $30. An NSF fee, for items returned unpaid, is no charge.
A returned deposit item, a cheque or ACH that comes back, is $30.00. That is not the NSF fee for a payment you made. A foreign returned item is no charge. An ATM withdrawal at a machine OnPoint does not own, and that is not on the Co-Op network, is $2.00. That ATM fee is waived for withdrawals from Group Banking Interest Checking accounts. An incoming wire is $8.00. A domestic outgoing wire is $20.00.
Keeping the overdraft at $10 or less avoids the $10 fee on this schedule. A returned item does not add an NSF fee, but the person you were paying can still charge you. The $30 daily cap is three paid items at $10, not one fee for the whole day. Asking OnPoint to remove a fee already charged is a request. OnPoint can say no.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What OnPoint prints |
|---|---|
| Overdraft fee, item paid | $10.00 |
| Overdrawn by $10 or less | No overdraft fee |
| Maximum overdraft fees in one day | $30 |
| NSF fee, item returned unpaid | No charge |
| Returned deposit item | $30.00 |
| Non-OnPoint, non-Co-Op ATM withdrawal | $2.00 |
Questions
- How much is an OnPoint overdraft fee?
- The October 1, 2026 schedule prints $10.00 when OnPoint pays the item. There is no overdraft fee if the account is overdrawn by $10 or less. The daily maximum is $30.
- Does OnPoint charge an NSF fee when it returns the item?
- No. The same schedule prints no charge for an NSF fee on items returned unpaid. A returned deposit is a different line, at $30.00.
- How do I avoid the OnPoint overdraft fee?
- Stay overdrawn by $10 or less, or cover the payment before it is paid. A returned item has no NSF fee on this schedule. The person you were paying can still charge a fee of their own.
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