Checking Accounts

At KeyPoint in California, a checking account is more than just a convenient way to manage your finances––it’s a key that opens the door to a full range of services and solutions to help you make the most of your money.

Best of all, our checking accounts all come with great free features, including fast direct deposit (as much as two days faster than other financial institutions), free Online Banking and Bill Pay, free Mobile Banking* with mobile check deposit, a free Visa® Debit Card and fee-free access to over 30,000 ATMs throughout Santa Clara, Cupertino, Dublin, Goleta, Milpitas, San Jose and nationwide.

Unlimited Account

Featuring unlimited rebates of ATM fees

✓ Automated1 ATM rebates

✓ Two ways to waive account fee2

✓ Fast direct deposit
Two days faster than most Financial Institutions

✓ Highly rated mobile app

✓ 30,000 fee-free ATMs

Free Account

Featuring no monthly account fee3

✓ Fast direct deposit

✓ Highly rated mobile app

✓ 30,000 fee-free ATMs

1KeyPoint 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.  2Just use your KeyPoint debit card to make ten (10) purchases within the month, and you pay no account fee. You can also waive the account fee with a direct deposit of at least $1,000.  3$2.00 paper statement fee
*Mobile carrier rates may apply.

 

 

Free Checking

Unlimited Checking

Dividend Checking

Free Student Checking

Features No monthly service fee Enjoy worldwide ATM fee rebates!1 Earn dividends on your account balances Free for students 13-17 (then converts to Free Checking)
  Open Open Open Open
Monthly Service 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
Online and Mobile Banking Free Free Free Free
Bill Pay Free Free Free N/A

eStatements

($2 paper statement fee)

Free Free Free Free
Minimum Opening Deposit $25 $100 $100 $25

Questions?

Call (888) 255-3637 or Live Chat with a representative via the link in the top right corner.

1KeyPoint will automatically rebate ATM fees as possible 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.

  • Online & Mobile Banking:  Check your account balance and transaction history, pay bills and much more 24/7 with our online banking and highly-rated mobile app.
  • Fast Direct Deposit:  We give you access to your pay as soon as your company notifies us—often one day earlier than many other financial institutions.
  • Free ATMs: Pay no ATM fees at more than 30,000 CO-OP ATMs across the U.S.
  • ATM Rebates1: If you have an Unlimited Checking Account, you can take advantage of our ATM Rebate program.
  • Shared Branch Network: You can make deposits, withdrawals and access teller services at over 5,000 participating credit unions in our Shared Branch Network.
  • Overdraft Protection: Every KeyPoint checking account includes overdraft coverage options to protect your account when there are insufficient funds available.
    1.  Savings or Money Market Overdraft Coverage. It's easy to link your KeyPoint savings accounts to your checking account. So, if your checking account doesn't have enough funds, we’ll automatically transfer funds up to your available savings balance.
    2. Line of Credit Overdraft Coverage. You can link your KeyPoint personal line of credit (excludes credit cards and HELOCs) to your checking account. If your checking account doesn't have enough funds to pay an item, we’ll automatically advance up to your available credit line loan limit.
    3. Courtesy Pay Privilege. In addition to the overdraft protection options, Courtesy Pay Privilege protects you from an accidental account overdraft* and the costs and embarrassment that go along with it. 

*KeyPoint Credit Union will determine at our sole discretion whether to pay overdrafts caused by checks, preauthorized transfers using your account or debit card number, or online banking (including bill payment and mobile banking). This service will be available on one-time debit card purchases and cash withdrawals only with member opt-in. Courtesy pay is not available on new accounts or if an account owner is in default on an obligation to KeyPoint. There is a fee of $29 for each item that KeyPoint chooses to pay. You must pay all overdrawn amounts and fees immediately, but no later than 45 days. Not all accounts qualify for Courtesy Pay. Refer to the agreement for complete information.

1KeyPoint will automatically rebate ATM fees as possible 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 Rates
Rates Effective: 7/20/2020
Title Dividend Rate Annual Percentage Yield (APY)
Dividend Checking 0.05% 0.05%

Checking accounts have variable rates. 

Rates accurate as of 7/20/2020 and subject to change. Fees may reduce earnings.