Checking Accounts

Find the account that fits

Daily money management is easier with KeyPoint. Choose from four checking options. All come with great free features, including fast direct deposit (as much as two days faster than other financial institutions), a free Visa® Debit Card and fee-free access to over 30,000 ATMs. Plus, your funds are federally insured by the NCUA. 


Free Checking

Unlimited Checking

Dividend Checking

Student Checking

Kids Checking

Feature No monthly account fee Enjoy worldwide ATM fee rebates!* Earn dividends on your account balances Free for students 13-17 (then converts to Free Checking) Free for kids 8-12 (then converts to Student Checking)
  Open Open Open Open Open 
Monthly Account Fee Free $17, waived with minimum direct deposit of $1,000 or make ten (10) Debit purchase transactions within the month $12 (waived with direct deposit or $750 average daily balance) Free Free
Online and Mobile Banking Free Free Free Free Free
Bill Pay Free Free Free N/A N/A


($2 paper statement fee)

Free Free Free Free Free
Minimum Opening Deposit $25 $100 $100 $25 $25
Rates (as of 8/16/2023) N/A N/A 0.05% (0.05% APY)** N/A N/A

Must have a responsible adult (18+) joint owner on Student and Kids Checking accounts. 

*KeyPoint will automatically rebate ATM fees within a few business days. System differences with the owners of the ATMs you use may not allow automatic rebates and you would then need to manually request rebates.

**Checking accounts have variable rates. Rates accurate as of 8/16/2023 and subject to change. Fees may reduce earnings.