Checking FAQs

Your check may clear for a different amount if the spelled-out word amount was different than the numerical amount, if your scanned check image was not clear or if the bank that accepted the check for deposit encoded it incorrectly. We are unable to provide specifics about your particular case, so please contact us or come into a branch to resolve the situation. 

You can call us at (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Images of canceled checks can be viewed and printed in Online Banking. There is a link to each check in the transaction listing for your checking account. Our Contact Center can also provide copies of checks and statements by mail (fees may apply). 

You can also call Member Services at (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back and a Member Services Representative will contact you as soon as possible. You can also visit a KeyPoint branch. To find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Report missing checks immediately. A stop payment will be placed on the entire series of missing checks as soon as a stop payment request has been received.

You can request a stop payment through Online Banking (Services > Stop Payment). 

Please contact us if you need further assistance.

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page.

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

You can add or remove joint owners, and make other changes to your existing KeyPoint accounts, by printing our Member Account Agreement form, and completing the appropriate sections.

Fax the completed form to 408-731-4050, take it to any branch, or mail it to KeyPoint Credit Union, Attn: Member Services, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

You can add or change beneficiaries, and make other changes to your existing KeyPoint accounts, by printing our Member Account Agreement form, and completing the appropriate sections. Along with the form you will need to submit a valid photo ID for each beneficiary and account holder.

Fax the completed form to (408) 731-4050, take it to any branch, or mail it to Service Support at 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131. 

The minimum balance required for a checking account will vary depending on the type of account you have or would like to open. FREE Checking is free of monthly service fees, requires a $25 opening deposit, and has no minimum balance requirement.

How to Join

You can join KeyPoint if you live, work, worship or attend school in one of these California communities:

• Alameda County 
• Contra Costa County
• El Dorado County
• Placer County
• Sacramento County
• San Mateo County
• Santa Barbara County
• Santa Clara County
• Ventura County [designated areas only]

Or you can join KeyPoint if your employer is a member of the Irvine Chamber of Commerce or TechAmerica.

Become a Member by opening an account or applying for a loan online, or visit any KeyPoint branch

A post-dated check is one written with a future date, usually because someone is expecting the money won’t be in their account until that date. Post-dating a check is not advised and should not be done. A post-dated check can still clear your account prior to the date and cause an overdraft.

Did you know that you can use Bill Pay to schedule future payments?

KeyPoint’s Bill Pay lets you pay bills online or with your mobile device any time, any place. Just enter a bill you want to pay, decide when you want it paid, and KeyPoint does the rest. You can also send money to friends or relatives! Both features are available in Online and Mobile Banking

If you already use Online Banking, just log in and click Bill Pay or Move Money, Pay a Person, let's get started. It's fast, easy, and free!  If you have any questions, contact Member Services at (888) 255-3637 or through Live Chat. 

KeyPoint charges $15 for each stop payment request.

You can request a stop payment through Online or Mobile Banking
 

Access your account online from your laptop, tablet, personal computer or Smartphone. Online Banking is secure, free, and available 24/7. After you enroll, you can take care of your banking tasks at your convenience: 

  • View current account balances and transaction details
  • View and export transaction history 
  • Pay bills
  • View check images
  • Transfer money between your own accounts, and accounts of other KeyPoint Members 
  • Send money to anyone via an email address or cell phone
  • Transfer funds between your KeyPoint accounts and your accounts at other financial institutions
  • View eStatements, eTaxes and other electronic documents 
  • Place stop payments
  • Send secure messages to us

View Demo

Log in from KeyPoint’s home page

Register

To remove a joint account owner from your account, the current account will need to be closed and a new account with new account ownership will be open. The new account can be opened online at kpcu.com/Open-An-Account or at any KeyPoint branch locations.

Please follow this link for Branch Locations and Hours of Operation: kpcu.com/Contact/Locations

Courtesy Pay is a type of overdraft protection where KeyPoint may decide to pay overdrafts caused by check, ATM or Debit Card withdrawal, point-of-sale and ACH transactions. 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 Courtesy Pay Agreement and Disclosure for complete information, and to opt in or out of Courtesy Pay. 

There are many benefits of Courtesy Pay:

  • Fewer charges from retailers for returned checks
  • Saves time and embarrassment to redeem unpaid checks
  • Added convenience and flexibility to manage your account
  • Available for checks, ATM withdrawals and VISA® Debit Card purchases

The negative balance should be paid within 30 days by making a deposit to your checking account. If you need assistance, please call us at (408) 731-4410.  

Yes. You may also deposit a check through any KeyPoint or CO-OP ATM, or by taking a picture with your smartphone or tablet through our free mobile app

If you wish to mail a check deposit, be sure to write your account number on the check and send it to KeyPoint Credit Union, 2150 Trade Zone Blvd, Suite 200, San Jose, CA 95131.


View how-to videos: Surcharge-Free ATMs, Getting Cash and Mobile Check Deposit

If you are a KeyPoint Member or part of the CO-OP ATM network, our ATMs are free. Otherwise, you will be charged $3.00. If you are a KeyPoint member and you use an ATM outside of the CO-OP ATM network, you will be charged that ATM provider’s fee and may also pay a $2.00 KeyPoint fee.

For more information on ATM and account fees, please call our contact center at (888) 255-3637.

Find surcharge-free ATM locations near you, anywhere, anytime! Visit our locations map to search KeyPoint locations as well as more than 30,000 fee-free ATMs through Co-op Shared Branching network.

Get ATM Fee Rebates

If you have an Unlimited Checking account, you are eligible to receive refunds for ATM surcharges.

Starting 2/1/2021, KeyPoint 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. Your ATM fee rebate request must be submitted within 60 days of the statement date on which the fee(s) appear; rebates will be processed within seven (7) business days. 

If you do not have an Unlimited Checking account, click here to learn more and open your account today!

View how-to videos: Surcharge-Free ATMs and Getting Cash

Starting 2/1/2021, 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.

Your ATM fee rebate request must be submitted within 60 days of the statement date on which the fee(s) appear; rebates will be processed within seven (7) business days. Only Unlimited (checking) accounts are eligible for ATM rebates. To confirm the requested ATM fees have been rebated, see review your monthly account statement. Please do not submit duplicate requests for rebates; if you believe you have not received a rebate, contact our Contact Center at (888) 255-3637.

Don't have an Unlimited Checking Account?

Our Unlimited Checking option provides free access to Online and Mobile banking, online bill pay, eStatements, and much more! The minimum opening deposit is only $100.00. 

Click here to learn more and open your account today!

Find surcharge-free ATM locations near you, anywhere, anytime! Visit our locations map to search KeyPoint locations as well as more than 30,000 fee-free ATMs through Co-op Shared Branching network.

View how-to videos: Surcharge-Free ATMs and Getting Cash

ATM deposits can be made at any ATM within the CO-OP ATM network.

Finding a KeyPoint branch or ATM is fast and easy with our ATM/Branch Locator. Locate one of our California branches, or find more than 30,000 fee-free ATMs (at most credit unions and 7-Eleven stores). And don’t forget you can get cash-back at many stores like Safeway and Target!

Click here to find an ATM near you!

View how-to videos: Surcharge-Free ATMs and Getting Cash

 

Our ATM network is CO-OP. 

Finding a KeyPoint branch or ATM is fast and easy with our ATM/Branch Locator. Locate one of our California branches, or find more than 30,000 fee-free ATMs (at most credit unions and 7-Eleven stores). And don’t forget you can get cash-back at many stores like Safeway and Target! 

Click here to find an ATM near you!

View how-to videos: Surcharge-Free ATMs and Getting Cash

 

If you are a KeyPoint Member or part of the CO-OP ATM network, our ATM's are free. Otherwise you will be charged $3.00. 

If you are a KeyPoint Member and you use an ATM outside of the CO-OP ATM network, you will be charged that ATM provider’s fee and may also pay a $2.00 KeyPoint fee.

Finding a KeyPoint branch or ATM is fast and easy with our ATM/Branch Locator. Locate one of our California branches, or find more than 30,000 fee-free ATM's (at most credit unions and 7-Eleven stores). And don’t forget you can get cash-back at many stores like Safeway and Target! 

Click here to find an ATM near you!

View how-to videos: Surcharge-Free ATMs and Getting Cash

 

An ATM card can only be used at an ATM terminal or at retailers that accept ATM transactions initiated by a PIN. The money is deducted immediately from your savings or checking account. 

A debit card requires a checking account, although you can use it to withdraw money at an ATM from your savings or checking account. With a debit card, you can also make purchases online and anywhere Visa® is accepted, like restaurants and hotels. 

View how-to video: Getting cash at an ATM

Finding a branch or ATM is fast and easy with our ATM/Branch Locator. Locate one of our California branches, or find more than 5,000 shared branch locations. 

Click here to find a shared branch near you!

View how-to video: Getting cash at an ATM

The maximum amount of cash that you are able to withdraw from an ATM is generally $600.00 per day.

Finding a KeyPoint branch or ATM is fast and easy with our ATM/Branch Locator. Locate one of our California branches, or find more than 30,000 fee-free ATMs (at most credit unions and 7-Eleven stores). And don’t forget you can get cash-back at many stores like Safeway and Target! 

 

Click here to find an ATM near you!

View how-to videos: Getting Cash

 

Finding a KeyPoint branch or ATM is fast and easy with our ATM/Branch Locator. Locate one of our California branches, or find more than 30,000 fee-free ATMs (at most credit unions and 7-Eleven stores). And don’t forget you can get cash-back at many stores like Safeway and Target! 

Click here to find an ATM near you!

View how-to video: Getting cash at an ATM

 

There is a $5 charge to replace your debit or ATM card. If you lost your card, please contact us immediately so we can block the card and prevent unauthorized use.   

Generally it takes 3-5 business days for you to receive a new card, or you can receive a new card instantly at any KeyPoint branch.  

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

 

Exchange rates are calculated in global currency markets. The reasons for fluctuations in exchange rates include inflation, interest rates, budget deficits, public debt, trade policy, political stability, and economic performance. 

If you are planning to travel to another country, please let us know in advance so we can make sure your credit, debit and ATM card transactions are not accidentally blocked for suspicious activity.

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page.

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Yes, but some ATMs and merchants may not accept your card outside of the United States. Look for the Cirrus or Visa logos, which are more popular internationally.

If you are planning to travel to another country, please let us know in advance so we can make sure your credit, debit and ATM card transactions are not accidentally blocked for suspicious activity. You can complete our secure online Travel Notification form.

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

There are several possible reasons that your transactions are being denied; ranging from a defective card to insufficient funds. Please contact us so we can help resolve your specific issue. 

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

You can receive a new card instantly at any KeyPoint branch! We can also mail you a new card, and it takes 3-5 business days.   

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

 

Please contact us to report the issue. For security purposes, you will need to provide specific data so we can identify you.

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Please refer to our FAQ or call (866) 271-3934 for assistance.

All Members have been issued EMV debit and credit cards. ATM cards are not available with an EMV chip. You can find complete answers to all of your EMV questions on our EMV Chip Technology page!

To activate your debit card, simply call the phone number that is on the sticker on the card. 

You will then be prompted to select a custom PIN after activating the card. Do not share your PIN with anyone else, and do not write it on the card.  Your PIN acts as a signature when you use your debit card for point-of-sale transactions and to withdraw cash from an ATM.

You can change your debit or ATM card PIN by calling (800) 813-4132 and selecting option 3. To use this service, you must know your existing PIN and answer some verification questions. You can also select a custom PIN for your ATM or debit card at any KeyPoint branch.

To view our locations and hours, please visit our Locations page.  

 

 

Yes! In fact, you should choose a PIN that is unique to you (and do not share it with anyone else). Your PIN acts as a signature when you use your debit card for point-of-sale transactions and to withdraw cash from an ATM. Do not write your PIN on your card.

You can change your debit or ATM card PIN by calling (800) 813-4132 and selecting option 3. To use this service, you must know your existing PIN and answer some verification questions. You can also select a custom PIN for your ATM or debit card at any KeyPoint branch.

To view our locations and hours, please visit our Locations page.  

 

There are several possible reasons that your PIN does not work, ranging from fraud protection to insufficient funds. For security reasons, please call us at (888) 255-3637 or come to any KeyPoint branch.

To view our locations and hours, please visit our Locations page.  

There are several possible reasons that your card does not work, ranging from fraud protection to insufficient funds. For security reasons, please call us at (888) 255-3637 or come to a KeyPoint branch.

To view our locations and hours, please visit our Locations page.  

There are several possible reasons that your card does not work, from fraud protection to insufficient funds. For security reasons, please call us at (888) 255-3637 or come to any KeyPoint branch.

To view our locations and hours, please visit our Locations page.  

Yes, KeyPoint's debit and credit cards can both be loaded into Samsung Pay and Google Pay

You can change your debit or ATM card PIN by calling (800) 813-4132 and selecting option 3. To use this service, you must know your existing PIN and answer some verification questions. You can also select a custom PIN for your ATM or debit card at any KeyPoint branch.

KeyPoint has seven California branches. To view our locations and hours, please visit our Locations page.  

 

For your security, our staff does not have the ability to view your PIN. We do have the ability to reset the PIN for your ATM or debit card. 

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page.  

Yes! You can set up Debit Card Alerts to notify you by email and text for the following transaction types:

- Specify any dollar amount

- Gas station purchases

- Declined transactions

- Transactions in foreign countries

- Online and phone purchases

- ATM withdrawals

There is no KeyPoint fee, however text Alerts may include standard text message and data rates assessed by your mobile carrier.

Click on the appropriate link to setup Alerts today:

Debit Card Alerts

Credit Card Alerts

Yes. You may also deposit a check through any KeyPoint or CO-OP ATM, or by taking a picture with your smartphone or tablet through our free mobile app

If you wish to mail a check deposit, be sure to write your account number on the check and send it to KeyPoint Credit Union, 2150 Trade Zone Blvd, Suite 200, San Jose, CA 95131.


View how-to videos: Surcharge-Free ATMs, Getting Cash and Mobile Check Deposit

To view or print copies of your statements online, simply log into Online Banking and click on the eStatements tab.

We can also print a copy of your statement, just contact us!

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

View how-to video: eStatements

Funds from a direct deposit will be available by the start of business on pay day, if sent in advance by your employer.

You can confirm your direct deposit in Online Banking, Mobile Banking, or set up Text Alerts so you can be notified as soon as the deposit hits your account! All of these options are free, although standard text messaging rates may apply.

Download KeyPoint’s free apps for the iPhone®, iPad®, Android™ phones and tablets, and Kindle™ devices through the App Store and Google Play so you can take advantage of these convenient and time-saving features:

  • Review account balances and transactions
  • Transfer funds between accounts
  • Pay bills
  • Deposit checks*
  • Locate fee-free ATMs and KeyPoint branches 
  • View copies of cleared checks 

*Not available on Kindle™. 

KeyPoint has a $2.00 fee for each paper account statement that is mailed to a Member. This fee can be avoided by signing up for eStatements in Online Banking. Just log into Online Banking and click on the eStatements tab to change your setting.

eStatements are the fastest, safest way to receive your account information!

View how-to video: eStatements

KeyPoint offers low rates on loans, high rates on savings, and low fees. At your member-owned financial institution, you’ll save money AND enjoy personal service! To learn more about our current fees, please call our contact center at (888) 255-3637.

Deposit Rates

Loan Rates

Mortgage Rates

 

KeyPoint offers low rates on loans, high rates on savings, and low fees. At your member-owned financial institution, you’ll save money AND enjoy personal service! To learn more about fees for our wire transfers, please call our contact center at (888) 255-3637.

Deposit Rates

Loan Rates

Mortgage Rates

We charge $29 for each overdraft item. For more detailed information, please call our contact center at (888) 255-3637.

KeyPoint offers low rates on loans, high rates on savings, and low fees. At your member-owned financial institution, you’ll save money AND enjoy personal service!

Deposit Rates

Loan Rates

Mortgage Rates

Yes. KeyPoint has a non-member check-cashing fee. For more detailed information, please call our contact center at (888) 255-3637.

KeyPoint offers low rates on loans, high rates on savings, and low fees. At your member-owned financial institution, you’ll save money AND enjoy personal service! 

 

Deposit Rates

Loan Rates

Mortgage Rates

 

 

KeyPoint offers low rates on loans, high rates on savings, and low fees. At your member-owned financial institution, you’ll save money AND enjoy personal service! To learn more about our current fees, please call our contact center at (888) 255-3637.

Deposit Rates

Loan Rates

Mortgage Rates

A check deposited into an account can be returned for various reasons. Please contact us at (888) 255-3637 to get more information.

To dispute an automatic transaction (an ACH) please contact us at (888) 255-3637 or via live chat and one of our Contact Center Agents will be happy to assist you with your dispute.  

There are various ways to submit payments and deposits to KeyPoint.

  • Online:  Set up your own automatic payments via online banking – log in at https://kpcu.com/
  • KeyPoint Mobile App: You first write a check. Then log in to the KeyPoint Mobile app and use the Mobile Deposit feature. You take a picture of your check and then choose the loan account to “deposit” your check and, therefore, make the payment.
  • By Mail:  Please mail all payments and deposits to KeyPoint Credit Union, ATTN:  Loan Payments, 2150 Trade Zone Blvd, Suite 200, San Jose, CA 95131.  Payments and deposits must be accompanied by the account number or payment billing statement coupon.  Only checks or money orders should be sent by mail.
  • Recurring ACH Payment:  Set up recurring deposits or payments from a checking or savings account from another financial institution.  The ACH Deposit/Withdrawal Authorization form can be found online at https://kpcu.com/.
  • One-Time ACH Payment Using Your Mobile Device:  Set up a one-time payment using your mobile device please visit https://kpcu.com/textpayment.  If you are paying with an external account (not a KeyPoint account) there is a $5.00 processing fee.  We accept the following payment methods over the phone: Visa Debit Card, Master Card or Discover Credit Card, as well as ACH – via Checking or Savings accounts. 
  • Payment Over the Phone:  To make the loan payment over the phone please call us at (888) 255-3637.  If you are paying with an external account (not a KeyPoint account) there is a $20.00 processing fee.  We accept the following payment methods over the phone: Visa Debit Card, Master Card or Discover Credit Card, as well as ACH – via Checking or Savings accounts. 
  • Visit a Branch:  Visit one of our branches (https://kpcu.com/Contact/Locations). 

 

For any service-related questions, contact the Loan Servicing Department at [email protected] or (888) 255-3637 x4252 or by mail at 2150 Trade Zone Blvd, Suite 200, San Jose, CA 95131.

Your account number was provided when you opened the account. Your checking account number can also be found at the bottom of your checks, on your account statement, in Online Banking, or contact us for assistance.

In Online Banking, click on your Account Name, then choose Show Full Account Number in the Account Details box at the far right.

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

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To re-order checks, follow the steps below:

  • Login to Online Banking
  • See the Overview page
  • Click on Order Checks next to any qualifying account
  • Verify your account information and follow the prompts

If you are looking to order checks for the first time, call (888) 255-3637 or visit us in person.

Have you explored our checking account options?

We offer a variety of checking accounts to meet your needs:

  • FREE Checking
  • Unlimited Checking
  • Dividend Checking
  • Student Checking

Our checking accounts all come with great free features, like mobile check deposits and access to 30,000 fee-free ATMs nationwide! Learn more about our accounts and open yours online today!

 

You can order checks from any company, however be aware that you are providing very sensitive account information to a third-party.

To protect the security of your KeyPoint checking account, the first time you order checks through KeyPoint, you will need to call (888) 255-3637 or visit us in person. As long as information (e.g., name, address, phone number) has not changed from prior order, check reorders can be made through Online Banking by clicking on the Order Checks link next to any qualifying account on the Overview page or Mobile Banking by selecting the checking account and clicking on the Order Checks icon.

We do recommend our Members to notify us about their upcoming travel plans to avoid any potential issues with their card usage. Travel Notification form can be submitted from within your online banking under “Forms”.

You can also contact us at (888) 255-3637 or via live chat and our Contact Center Agents will be happy to assist you.

KeyPoint does not offer Zelle or Venmo at this time. We have other great competitive options you can use via our digital channels such as Online Banking and/or Mobile Banking to transfer funds.

Please visit our website to learn more about the free features here:kpcu.com/Checking/Online-Mobile

No, KeyPoint does not accept third party checks.

KeyPoint branches can accept small amounts of rolled coin deposits for Members. We do not offer merchant services for high-volume coin handling, and we are unable to accept coins from Non-Members and Members of other credit unions. 

No. Only you and other authorized account holders can view the balances and transactions in your accounts.

Protecting the security of your hard-earned money is always the primary goal at KeyPoint. We are also careful to protect your privacy and personal information. 

Click here if you’re interested in learning more about our policies and practices

Deposits made by check will post the next business day. Cash deposits will post as soon as you make the deposit.

You can confirm your deposits 24/7 in free Online Banking and Mobile Banking. Or log in to Online Banking and set up Text Alerts so you can be notified as soon as the deposit hits your account! All of these options are free, although standard text messaging rates may apply.

A debit card provides a convenient way to access funds from your checking account. The money is already in your account, and every time you use your debit card, the funds are withdrawn. 

A credit card provides a convenient way to access funds from a line of credit, which is a type of loan. Every time you use your credit card, your loan balance increases up to your approved limit. You will make monthly payments to either reduce the balance or pay it in full. 

Your balance is all the money that is currently in your account, including direct deposits that have not yet posted and debit transactions that have not yet cleared. 

Your available balance shows the amount of money that is available to withdraw, excluding any holds and pending transactions. These balances may not reflect all pending items, such as checks that you have written or debit transactions that have not reached our system yet. It is your responsibility to keep track of your account activity to avoid overdrawing your account and incurring service charges.   

Free Online Banking and Mobile Banking are the fastest ways to monitor your account and view your balances 24/7.

An insufficient funds fee is charged when there are not enough funds in your account to pay for the item. An uncollected funds fee is charged when funds are in the account but are not available to pay the item, due to holds on the account. Holds may be placed on your funds due to pending purchases, incoming deposits, or other issues.

It is your responsibility to keep track of your account activity to avoid these types of fees.  

Free Online Banking and Mobile Banking are the fastest ways to monitor your account and view your balances 24/7.

If you are a merchant calling to verify funds, please call (888) 255-3637.

You received a call due to suspicious activity on your card. KeyPoint uses an automated system to constantly monitor our Members’ card activity to help prevent fraud. 

The cardholder must contact us to confirm whether the transactions were authorized or not, and we always recommend contacting KeyPoint prior to traveling out of the country so we can make sure your card transactions are not accidentally blocked for suspicious activity.

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Protecting the security of your hard-earned money is always the primary goal at KeyPoint. We are also careful to protect your privacy and personal information. 

Click here if you’re interested in learning more about our policies and practices

To send a wire, follow the steps below:

  • Review our wire fees. To learn more about our wire fees, please call our contact center at (888) 255-3637.
  • Login Online Banking
  • Click Forms
  • Select Online Wire Request Form
  • Complete and submit the form.

As a safety precaution, you will be required to sign documentation and provide a copy of your unexpired Driver’s License or Identification via DocuSign (a fast and secure digital platform that allows you to electronically sign documents).

If you would like to request your wire transfer in person, visit any KeyPoint branch today!

Click here for detailed information about international wires (e.g., country-specific and currencies).

 

Necessary Information for Domestic and International Wires

Domestic Wires International Wires
The beneficiary name and contact information (the recipient of the funds) The beneficiary name and contact information (the recipient of the funds)
The receiving financial institution of the beneficiary The receiving financial institution of the beneficiary
The routing/ABA number for the beneficiary’s financial institution The BIC/SWIFT code (a unique identification code, usually 8 to 11 digits)
The beneficiary account number The beneficiary account or IBAN number (usually 22 to 27 digits)
Note: The escrow instruction sheet is required for wires being sent to a title company. Purpose of wire

 

Please see our reference guide 'Country Currencies by Currency Code' for information before requesting an international wire.

 

There could be many reasons why your check bounced; including holds on deposits and pending transactions. Please contact us to discuss your specific situation. 

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

To receive an incoming wire, provide the sender KeyPoint's SWIFT code: KERUUS66.

More Wire Transfer Information

KeyPoint’s routing transit number is 321180515.

Your account number can be found at the bottom of your checks, to the right of our routing number. You can also find your account number via Online Banking:

  • Go to the Account Activity page
  • Click the Account Details box at the far right
  • Click on the Show Full Account Number link.
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Click here for detailed information about international wires(e.g., country-specific and currencies).

 

Yes. To learn more about our current fees, please call our contact center at (888) 255-3637.

KeyPoint offers low rates on loans, high rates on savings, and low fees. At your member-owned financial institution, you’ll save money AND enjoy personal service! 

Deposit Rates

Loan Rates

Mortgage Rates

 

You will be assessed a Returned Deposit fee. To learn more about our current fees, please call our contact center at (888) 255-3637. Depending on the payer, we may try to process the check a second time, or we will return it to you.  

KeyPoint offers low rates on loans, high rates on savings, and low fees. At your member-owned financial institution, you’ll save money AND enjoy personal service! 

Deposit Rates

Loan Rates

Mortgage Rates

 

 

Overdraft protection allows funds to be transferred from a previously designated KeyPoint account or credit line on which you are an owner or borrower to pay an overdraft item. For a line of credit to be available for overdraft protection, you must complete an application, receive credit approval, and designate the line as an overdraft protection source. Overdraft protection will always be available, as long as your designated overdraft protection source accounts have sufficient available funds or credit. If you access a line of credit, interest will accrue on the amount advanced. Overdraft protection will help protect your checking account from having a negative balance.

Courtesy Pay Privilege is a service that KeyPoint provides at our discretion, under which we may pay checks, ACH and recurring debit card transactions that draw your checking balance negative. The fee for each Courtesy Pay Privilege payment is $29.00.

To receive wire transfers, please provide the sender KeyPoint's SWIFT code: KERUUS66.

KeyPoint makes it easy to wire money! You can request a domestic or international wire transfer at any KeyPoint branch or through Online Banking (Forms > Online Wire Request Form).

After you submit your request, you will be required to sign documentation and provide a copy of your unexpired Driver’s License or Identification via DocuSign (a fast and secure digital platform that allows you to electronically sign documents). This extra step protects your account from fraudulent wire transfers. If we are unable to reach you, the wire may be voided.

To learn more about our current fees, please call our contact center at (888) 255-3637. Click here for detailed information about international wires (e.g., country-specific and currencies).

You will need the following information for a domestic wire:

  • The beneficiary name and contact information (the recipient of the funds)
  • The receiving financial institution of the beneficiary
  • The routing/ABA number for the beneficiary’s financial institution
  • The beneficiary account number

NOTE: The escrow instruction sheet is required for wires being sent to a title company.

You will need the following information for an international wire:

  • The beneficiary name and contact information (the recipient of the funds)
  • The receiving financial institution of the beneficiary
  • The BIC/SWIFT code (a unique identification code, usually 8 to 11 digits)
  • The beneficiary account or IBAN number (usually 22 to 27 digits)
  • Purpose of wire
  • The beneficiary phone number is also required when funds are being sent to Taiwan

NOTE: Additional information is required for wires being sent to India in that country's currency, Indian Rupees (INR).

  • Routing Code: Indian Financial System Code (IFSC), this consists of an 11-digit code representing a specific branch location
  • Purpose of Payment Code: Detailed purpose of payment is required on all amounts of INR
  • Nature of the remitter and beneficiary relationship (e.g., legal services, mother, father)

A notice will be sent, or emailed, if opted in to electronic statements and notices, to you for every Non-Sufficient Funds transaction.

You can set up a KeyPoint savings, money market account, or personal line of credit to automatically transfer funds to your checking account in case of an overdraft.

Our system will use whatever account(s) you have authorized, in the sequential order you requested, as long as you have available funds or credit. If none of your authorized overdraft protection sources have available funds or credit, we may pay items that would otherwise overdraw your checking account under Courtesy Pay Privilege.

You are automatically enrolled in Courtesy Pay, which enables KeyPoint to cover overdrafts caused by checks, ACH, or recurring debit card transactions, at our option for a fee. To learn more about our current fees, please call our contact center at (888) 255-3637. Click here to learn more about Courtesy Pay.

You can set up a KeyPoint savings, money market account, or personal line of credit to automatically transfer funds to your checking account in case of an overdraft.

Our system will use whatever account(s) you have authorized, in the sequential order you requested, as long as you have available funds or credit. If none of your authorized overdraft protection sources have available funds or credit, we may pay items that would otherwise overdraw your checking account under Courtesy Pay Privilege.

You are automatically enrolled in Courtesy Pay, which enables KeyPoint to cover overdrafts at our option for a fee. To learn more about our current fees, please call our contact center at (888) 255-3637. Click here to learn more about Courtesy Pay.

Courtesy Pay Privilege is a discretionary service. We are never obligated to pay items that will overdraw your account. We typically do not provide Courtesy Pay if you have excessive overdrafts, delinquent loans or credit cards, your account is not in good standing, or you do not make regular deposits.

You can view and print copies of statements from Online Banking. You will have access to 36 months of statements Just log in and click on the eStatements tab. You can select the statement(s) you need and print them by hovering over the page to bring up the PDF menu in the lower right corner and select the print icon.

If you have not previously used Online Banking, you can sign up by clicking on the Register link under the login at kpcu.com.

If you need older statements or your account(s) were closed, please call (888) 255-3637 or email us at [email protected] 

ChexSystems, Inc is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act (FCRA). ChexSystems' clients regularly contribute information on closed checking and savings accounts. ChexSystems shares this information among member institutions to help them assess the risk of opening new accounts. ChexSystems only shares information with other member institutions.

Notary services are offered for KeyPoint related documents. We recommend you make an appointment with the Branch you are planning on visiting.

Please see our branch location and hours of operation here: kpcu.com/Contact/Locations.

KeyPoint's debit and credit cards cards are available for Apple Pay. You can find more information about our Apple Pay here.

In order to close your account, we must first confirm your identity. Call (888) 255-3637, Live Chat (the link is in the top right corner of our website) or visit any KeyPoint branch

Are you moving out of the area?

No need to close your account! We offer free remote banking options as well as more than 5,000 shared branch locations for your convenience. If you can’t visit one of our local branches, speak with a live KeyPoint Member Service Representative by calling (888) 255-3637 or use our Live Chat at the top of the page. Don't miss out on our Member benefits.

 

Notify us immediately at (888) 255-3637 so we can block your card and prevent further fraud. We will mail you a new card(s), or you can get a replacement instantly at any KeyPoint branch. Or complete and submit a Cardholder Dispute Form so we can research the unauthorized transaction(s).

Requirements include, but are not limited to the following:

  • Your membership is in good standing and you have been a member for at least 60 days
  • You must not be more than forty-five (45) days delinquent or be in default in any other respect on any loan or other obligation to us
  • There must not be any legal or administrative orders or levies against your Checking Account
  • The primary account holder must be 18 years of age or older
  • Click here to view our Courtesy Pay Privilege Agreement

Complete and sign an Opt-Out form. We will remove Courtesy Pay Privilege from your checking account once we receive the Opt-Out form. You may also contact one of our service representatives at (888) 255-3637. Although Courtesy Pay Privilege is a discretionary service, the following could occur even if you have Courtesy Pay Privilege:

  • Items exceeding your checking account available balance will be returned for Non-Sufficient Funds
  • You will be subject to Merchant/Retailer fees resulting from Non-Sufficient Funds, in addition to KeyPoint's fee for Non-Sufficient Funds
  • Possible reporting to Chex Systems due to excessive Non-Sufficient Funds
  • Inconvenient, embarrassing, expensive time spent resolving the Non-Sufficient Funds

Your employer will ultimately set up direct deposit of your paycheck, however you can obtain a Direct Deposit enrollment form online to expedite the process. KeyPoint’s routing number is 321180515, and you can find your account number on your check or in your account opening documents. You can also find your account number in Online Banking. On the Account Activity page, go to the Account Details box at the far right and click on the Show Full Account Number link.

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You can authorize direct deposit of your payroll, Social Security, retirement, Veteran's Administration benefits, or almost any recurring deposits!

With direct deposit, your check is automatically and safely deposited into your account. You don't have to worry about driving to the credit union, or if there will be a hold placed on your check. On pay day, your money is right where you need it!

Please complete the ACH Deposit/Withdrawal Authorization form. If you set up the transfer through Online Banking, please log into Online Banking, select Move Money, and click on the Edit button for the transaction you would like to edit.

KeyPoint does not exchange foreign currency to U.S. dollars. 

Yes! You can purchase traveler's checks at any KeyPoint branch. They are sold in packets for the following amounts:

  • $50 checks are available in packets of $150, $250 and $500
  • $100 checks are available in packets of $300, $500, $1,000  

No, KeyPoint does not offer this service.

Here are some tips to manage your checking account so you can avoid costly overdraft fees:

  • Keep track of how much money you have in your checking account by keeping your account register up-to-date. Record all checks when you write them and other transactions when you make them. And don’t forget to subtract any fees.
  • Pay special attention to your electronic transactions. Record your ATM withdrawals and fees, debit card purchases, and online payments.
  • Don’t forget about automatic bill payments you may have set up for utilities, insurance, or loan payments.
  • Keep an eye on your account balance. Remember that some checks and automatic payments may not have cleared yet.
  • Review your account statements each month. Between statements, you can see which payments have cleared and check your balance through online and mobile banking.

Automated Clearing House (ACH) is the electronic network used for sending money (debits) and receiving money (credits). 

Starting September 15, 2017, both debit and credit transactions will be processed throughout the day –– instead of just once a day. This will help speed up bill payments you make, and move money faster when you transfer funds between different financial institutions.

Since your payments and transfers will be processed faster, make sure there are available funds in your account before you initiate any type of payment or transfer –– so you avoid overdrafts or Courtesy Pay fees.