Business in motion
KeyPoint’s checking and savings products keep pace with your thriving business.
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Check out the checking accounts that will keep your daily business operations running smoothly. With ATM fee rebates, overdraft protection and more, both of KeyPoint Credit Union’s business checking accounts offer value and smart solutions that California entrepreneurs like you will appreciate while you’re building your company.  

We’re a Bay Area credit union that understands and meets the business checking needs of small businesses in the Bay Area, Silicon Valley and beyond! 

    • Compare
    • Features
    • Overdraft Protection
    • Business Checking Account Rates

Which Business Checking account is right for you?

  Business Unlimited Checking Business Dividend Checking
Account Description This account is ideal for the business owner on the go. This account is ideal for business owners who want to earn dividends.
Dividends   View rates

Visa® Debit Card1

Unlimited Check Writing & Deposits

Worldwide ATM Rebate2

Overdraft Protection Options
Online Banking and 24/7 Support
Monthly Service Fee3 $17 $12
How to Apply Send an online request, call us at (888) 255-3637 or visit a branch.
Business Services Department Hours:  Monday-Thursday: 9:00 am-5:00 pm; Friday: 9:00 am-6:00 pm.
1 Must be age 18 or older for Visa® Debit Card.
2 Sole Proprietors only. ATM use is free with rebate upon proof of fee. ATM fee rebates are available only on KeyPoint Unlimited Checking accounts. KeyPoint fees for using third party ATMs and any international transaction fees assessed by Visa® are rebated, but third-party ATM operator fees are not rebated. Satisfactory ChexSystems history required; other restrictions and conditions apply. 
Waived with minimum average balance of $500 for Business Unlimited Checking accounts and $750 for Business Dividend Checking accounts.
Free Additional Features
24/7 Support Get helpful answers from real people by calling (888) 255-3637, or initiate an online Live Chat discussion with a live representative. We're here for you 24 hours a day, every day of the year.
Online Banking
  • Designate and authorize multiple account users
  • Set specific authorizations for each user
  • Pay bills
  • Manage and view your account transactions through QuickBooks™ or Quicken®
  • Check Images: View copies of cleared checks
  • e-Statements: Go Green! Get your monthly statement delivered electronically
Unlimited Check Writing This helpful perk comes with all of our checking account products.
Visa® Debit Card Pay for anything, anywhere Visa® is welcome; without having to write a check.
CO-OP Free ATMs Enjoy fee-free access to more than 30,000 CO-OP ATMs across the nation.
Shared Branch Network Make deposits, withdrawals and enjoy complete teller services at over 5,000 participating credit unions in the Shared Branch Network.
Passport Rewards Enjoy discounts with participating merchant and retailers using your free Visa Debit Card

Any KeyPoint checking account offers overdraft coverage alternatives that can be combined to provide maximum convenience and flexibility, and serve as a safety net. The following overdraft options are available:

Savings or Money Market Overdraft Coverage

Your KeyPoint savings accounts are automatically linked to your checking account. If your checking account does not have enough funds, we’ll automatically transfer funds up to your available savings balance.

Line of Credit Overdraft Coverage

You can link your KeyPoint line of credit to your checking account, so whenever your checking account does not have enough funds to pay an item, we’ll automatically advance up to your available credit line loan limit.

Courtesy Pay

In addition to the overdraft protection options, KeyPoint provides added coverage for your checking account and will automatically pay items on your behalf. Courtesy Pay protects you from an accidental account overdraft, and the costs and embarrassment that go along with it. Please review the courtesy pay agreement for full details.

Checking Rates
Rates Effective: 4/3/14
TitleDividend RateAnnual Percentage Yield (APY)
Dividend Checking0.05%0.05%
Preferred Dividend Checking0.05%0.05%

Checking Account Disclosures
All dividends are compounded and paid quarterly. Rates are subject to change without notice. Please call (888) 255-3637 with any additional questions.

NCUA | Accounts in the same name are insured to an aggregate total of $250,000 by the National Credit Union Share Insurance Fund.