Open a Money4Me Account and GET UP TO $3001 when you set up direct deposit!
Use promo code BR25

SaveUp2
Think smart, save smarter—round up everyday purchases into automatic savings.

Early Paydays3
See your paycheck up to 2 days early with direct deposit.

Fee-FREE4
Bank with heart—no fees, no stress, just freedom.

BackUp5
We've got your back—even if you're short on cash.

Total Control
Swipe, tap and transfer—your money is always at your fingertips.
Frequently Asked Questions
The Money4Me account is a transaction (checking) account designed with you in mind. Whether you’re saving for something big, managing day-to-day spending or just want some financial peace of mind, bank with confidence with KeyPoint. Enjoy no maintenance fees, easy access, real support and helpful tools to support all your money moves.
Learn more here.
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.)
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.
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.
- 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.
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.
- Online and Mobile Banking transactions
- ATM and Teller transactions
- Debit card transactions and recurring transfers
- Checks or payments initiated using Money4Me account number
Please note that the amount by which BackUp will allow your account to go negative is always at KeyPoint’s discretion.
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. 2With optional SaveUp feature, the difference between debit card purchase amount and whole dollar amount is deposited to Member Savings account daily. 3Payroll direct deposit arrives up to 2 days earlier than many other institutions. 4Free account with eStatements; $2 monthly fee for paper statements. 5BackUp 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.