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Banking That Puts You First
As a full-service credit union, we proudly serve the Bay Area with customized financial solutions designed to save you money and make your life easier.
We're a 100% Member-owned, not-for-profit financial cooperative—committed to helping you thrive financially throughout all stages of life.
We offer practical, goal-oriented financial solutions designed to help individuals and small businesses grow, save and succeed.
We're by your side with free financial education and one-on-one guidance—so you can make informed decisions today and plan confidently for tomorrow.
BackUp FAQs
BackUp is an overdraft protection service for eligible KeyPoint Members who overdraft their Money4Me account. See BackUp Terms and Conditions for more information.
Any KeyPoint Member who has a Money4Me account is eligible for BackUp. See BackUp Terms and Conditions for more information
BackUp is an automatic feature connected to your Money4Me account.
If you already have a KeyPoint checking account, you can request a switch to a Money4Me account by submitting the online request form, calling us at (888) 255-3637 or visiting a branch—see kpcu.com/locations.
If you already have a KeyPoint checking account, you can request a switch to a Money4Me account by submitting the online request form, calling us at (888) 255-3637 or visiting a branch—see kpcu.com/locations.
BackUp may be available for:
- Online and Mobile Banking transactions
- ATM and Teller transactions
- Debit card transactions and recurring transfers
- Checks or payments initiated using Money4Me account number
With a Money4Me account, KeyPoint may cover ATM and everyday debit card transactions that result in a negative balance up to $350 fee-free.
Please note that the amount by which BackUp will allow your account to go negative is always at KeyPoint’s discretion.
Please note that the amount by which BackUp will allow your account to go negative is always at KeyPoint’s discretion.
You may opt-out of BackUp at any time by calling at (888) 255-3637 or visiting a KeyPoint branch—see kpcu.com/locations.
To opt in for BackUp, call us at (888) 255-3637 or visit any KeyPoint branch—see kpcu.com/locations.
Yes, you can! Just complete the online request form, call the Contact Center at (888) 255-3637 or visit a branch to request a switch—see kpcu.com/locations.
SaveUp FAQs
SaveUp helps you save effortlessly! Each time you use your Money4Me debit card, the transaction is “rounded up” to the nearest whole dollar, and the difference is automatically deposited to your Membership Savings account.
The round ups from your debit card purchases are accumulated and transferred daily from your Money4Me account to your Membership Savings account once transactions settle. (For example, a $3.25 debit charge would round up to $4. The difference of $0.75 goes into your Membership Savings account.)
The round ups from your debit card purchases are accumulated and transferred daily from your Money4Me account to your Membership Savings account once transactions settle. (For example, a $3.25 debit charge would round up to $4. The difference of $0.75 goes into your Membership Savings account.)
Because saving money should work with your lifestyle—not against it. By rounding up your everyday purchases, SaveUp helps you pay yourself first even without thinking about it. It’s automatic, simple and a smart way to grow savings.
Use your Money4Me debit card for everyday purchases, such as groceries, coffee or online purchases. With each debit card transaction, we’ll round up to the nearest whole dollar and transfer the difference automatically into your Membership Savings account. It’s that easy!
SaveUp is an included feature linked to your Money4Me account. Open a Money4Me account to get started.
If you already have a KeyPoint Checking account, you can request a switch to a Money4Me account by submitting the online request form, calling our Contact Center or visiting a branch—see kpcu.com/locations.
If you already have a KeyPoint Checking account, you can request a switch to a Money4Me account by submitting the online request form, calling our Contact Center or visiting a branch—see kpcu.com/locations.
If the Money4Me account balance is negative or if the transfer to savings would cause a negative balance in the account, SaveUp will not occur. This is to help prevent potential overdrafts. There is no need to cancel or re-enroll in SaveUp—it will automatically resume with a positive account balance.
Track your SaveUp savings on the Mobile app or Online Banking. Your total savings will be available on your account dashboard and under your Membership Savings account details. To see your daily SaveUp transfers, check your Membership Savings account balance at the end of each day.
An overdraft occurs when you do not have sufficient available funds in your KeyPoint account to cover debit card purchases, automatic payments, checks, or other payments or transfers out of your account.
You can use Online or Mobile Banking or call 888-255-3637 to determine both your actual balance and your available balance at any time.
You can use Online or Mobile Banking or call 888-255-3637 to determine both your actual balance and your available balance at any time.
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.
BackUp Courtesy Pay Privilege is at KeyPoint’s discretion and never guaranteed. You may be charged a $29 fee for each transaction initiated against insufficient funds except that, on the Money4Me account only, no fee is charged for payment of ATM transactions or everyday debit card transactions that do not result in a negative account balance over $350.
1Available for new members only—person opening Money4Me account must not have had any account with KeyPoint in the previous two years. 18 years and up. $10 deposit required to open Money4Me account. KeyPoint Membership required. To obtain $300 bonus, recurring monthly direct deposit of net pay, pension, or government benefits ($1,000 per month minimum) must be established within 60 days of account opening. Funds transferred from accounts at KeyPoint or other institutions do not qualify. Bonus will be deposited to the Money4Me Account in $50 monthly increments for each consecutive month in which required direct deposit is received for up to 6 months. Disruption in direct deposit will end bonus eligibility. KeyPoint reports payments as required by tax laws. Taxes on bonuses, if any, are member’s responsibility. Other restrictions apply. 2BackUp is a discretionary service that may pay online or mobile banking payments and transfers, checks or payments initiated using Money4Me account number, recurring transfers initiated with debit card number, teller withdrawals, ATM transactions and everyday debit card transactions when the Money4Me account does not have sufficient available funds to cover. A $29 fee for each transaction initiated against insufficient funds except that, on the Money4Me account only, no fee is charged for payment of ATM transactions or everyday debit card transactions that do not result in a negative account balance over $350. BackUp payment of overdrafts is always at KeyPoint’s discretion and never guaranteed. Negative balances must be restored upon 32 days of the transaction date. BackUp will not be available if (a) Money4Me account is less than 60 days old, (b) in KeyPoint’s judgment the Money4Me account has had too many overdrafts, (c) Money4Me account does not receive regular deposits, or (d) member is in default on any obligation to KeyPoint. 3With optional SaveUp feature, the difference between debit card purchase amount and whole dollar amount is deposited to Membership Savings account daily. 4Payroll direct deposit arrives up to 2 days earlier than many other institutions. 5Free account with eStatements; $2 monthly fee for paper statements.