New FREE Organic Checking!
Free checking, free Rewards, free online banking, mobile apps and bill pay!
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Checking

Whether you choose free Organic Checking, Unlimited Checking with ATM fee rebates, Dividend Checking to earn interest, or Student Checking for kids 12 to 17, KeyPoint Credit Union makes it easy to go about your daily activities in the Bay Area, Silicon Valley, throughout California and the world knowing that your checking account works for you!

Your KeyPoint debit card gives you fee-free access to 30,000 ATMs nationwide, and free Passport Rewards!

Interested in learning how to manage a checking account? Take our free online course to Get In Balance!
    • Compare
    • Features
    • Overdraft Protection
    • Checking Account Rates

Choose the account that's right for you!

  Organic Checking
Free of impure monthly service fees!
Unlimited Checking
Enjoy worldwide ATM fee rebates!1
Dividend Checking
Earn dividends on
your account balances!
Student Checking
Free for students
12-17 (then converts to Organic Checking)
Monthly Service Fee Free! $17 (waived with minimum $500 direct deposit) $12 (waived with
direct deposit or $750 average daily balance)
Free!
Visa® Debit Card with Passport Rewards
Free! Free! Free! Free!
Online and Mobile Banking Free! Free! Free! Free!
Bill Pay Free! Free! Free! N/A
eStatements Free! Free! Free! Free!
Minimum Opening Deposit $25 $100 $100 $25

Questions?

Call (888) 255-3637 or Live Chat with a representative.

1 An ATM Fee Rebate Form must be submitted by accountholder. 

Your KeyPoint deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).

Features

As a member of KeyPoint Credit Union, you can take advantage of our exclusive checking account features designed with you in mind.

Free Additional Features
Mobile Banking Access your accounts using our Mobile Apps for the iPhone, iPad, and Android devices, or mobile web banking for other smart phones.
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
  • Check balances, transfer funds, pay bills online.
  • Aggregate all your accounts, even from other financial institutions.
  • Get account alerts by text or email in real time, any time.
  • Check images: View copies of cleared checks.
  • e-Statements: Go Green! Get your monthly statements 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, withdraws and enjoy complete teller services at over 5,000 participating credit unions in the Shared Branch Network.
Passport Rewards Enjoy discounts with participating merchants and retailers using your free Visa Debit Card.

Overdraft Protection

Every KeyPoint checking account includes overdraft coverage options that can be combined to provide maximum convenience and flexibility while serving as a safety net:

Savings or Money Market Overdraft Coverage
Your KeyPoint savings accounts can be linked per your request to your checking account. If your checking account does not have enough funds, then 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. If 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, 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.

Your KeyPoint deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).