Online & Mobile FAQs

Yes, you can set up a recurring external transfer. For recurring transfer to a person, you can set it up in Zelle.

Transfers between KeyPoint accounts have no limit. External Transfers and transfers to other individuals have per transfer, daily, and monthly limits based on Membership history. 

Members can move money between accounts, to themselves at other financial institutions or to someone with only the recipient name and email address or cell phone number. For security you will type in a question and answer that only the recipient would know, such as “What color shirt was I wearing at lunch?”.

Bill Pay checks are valid for as long as KeyPoint personal checks are valid, but the expiration date will not appear on the face of the check. A typical check is considered stale-dated after six months. 

You will receive an email notification if a payment fails.

Log into Online or Mobile Banking and click Pay my Bills to get started.  

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 or Mobile Banking, just log in and click Pay my Bills to 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's FREE 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 through Move Money! Both features are available in Online and Mobile Banking.

If you already use Online or Mobile Banking, just log in and click Pay my Bills to get started. It's fast, easy, and free!

If you have any questions, contact Member Services at (888) 255-3637 or through Live Chat.

Payments can only be made to Payees with a US address. All payments are permitted, however not guaranteed to be accepted by the Payee (such as a government agency).​

You may cancel a scheduled bill payment if it has not already been processed by clicking ‘X’ under Delete in Payment Activity
> Scheduled Payments.  If the item has started processing or has already been processed, our ability to process a stop payment request will depend on the payment method and whether or not the check has cleared.  Stop payment request on a check that has not cleared can be made using the ‘Stop Payments’ form within Online Banking (Services > Stop Payment), the same way you would stop a personal check.  There is no need to call Member services to request a stop payment. 

The payment will be processed on the next processing day (payments are not processed on weekend days or Federal Reserve identified holidays).​

A payment can be set up any time in advance (there is no limit). However, for a payment to be processed 'today', it must be set up before 5:00pm (Eastern).​

To make a payment, select the “Send on” date instead of the “Deliver by” date. 

No.

Payment cutoff time is 2:00 PM PST on business days. Any payment scheduled after this time will be processed on the next business day. 

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. 

You must make sure that all the data exactly matches the information on your latest billing statement, including the account number. Our Bill Pay system will validate the data to ensure that your payment is applied to the correct account. Sometimes payees will change information such as the payee name or account number without notifying you, so be sure that the data exactly matches your last bill. If you still experience problems, please contact us at (888) 255-3637 or [email protected].

eBills are electronic versions of paper bills. An eBill arrives from a biller or payee into your Bill Pay account the same way a paper bill arrives in your mailbox. Bill Pay allows you to view all your eBills, as well as account balances, transactions and statement information in one convenient place. With eBills you can set up the bill payment based on the due date or when the bill is presented. An eBill is a type of auto-pay, but is dependent on when the bill is received and the options you select when setting up the eBill. eBills can be automatic or manually processed. 

If you are using Safari as your browser there is a known issue. If you have a Safari browser and it opened to a blank screen, you will need to change your browser settings. Go to Settings on Safari at the top of the browser, and select Preferences. Choose Privacy in the pop up window, and under options for Cookies and Website Data, select Always Allow.

Yes.

Members can set up alerts and frequencies in Payment Center.

Electronic payments clear on the “Send On” date while as paper mailed payments clear when the payee cashes the check. They clear as if you wrote the check yourself from your checking account, and you can even see those check images!

Yes. All payments are sent on the processing day designated by the Member.​

You can find the bill pay check number displayed on the Processed Payments section in Payment Activity.​ 

Expedited payments are available for check payees only.  These payments will be delivered via overnight delivery.  The cutoff time to submit an expedited payment is 2:00pm (Eastern).  Please note that there is a $19.95 fee for this service.​  Note:  Expedited payments can only be set up through online banking and is not available through mobile. 

18 months of payment history will be available. eBills are stored for one month.

You will need to delete the entire series and re-set up to begin with the next payment. 

Here are some tips to troubleshoot mobile check deposit issues:

- Make sure your device is using the latest operating system.
- Free up enough memory for taking pictures by closing other mobile apps or restarting your device.
- Check deposits require at least a 2-megapixel camera (a 4-megapixel rear-facing camera with auto focus is preferred).
- Flatten the check and place it on a dark background with sufficient light.

If you still have issues, please contact us at (888) 255-3637 or [email protected].

View how-to video: Mobile check deposit

Remote Deposit allows you to deposit your checks using your smart phone any time, any place! Download KeyPoint’s mobile app and register for mobile banking. Once logged in select Deposit and follow the prompts. You will be prompted to take pictures of the front and back of the check. Be sure to endorse the back and retain the check for seven (7) days for reference.

Please note the maximum daily check deposit amount is generally $25,000. Some checks may be subject to an extended hold. All check deposits are subject to collectability. For more information please see our Remote Deposit Capture Agreement or contact us at (888) 255-3637.

View how-to video: Mobile check deposit

Members who have chosen to receive e-statements also receive tax documents online. For these Members, all documents can be viewed except for IRA forms including the 1099R, FMV, 1099HSA, 5498.

Please also be aware that:

  • If you earned less than $10 interest on your savings account, you do not receive a 1099.
  • If you paid less than $600 in interest on your loan, you do not receive a 1098.
  • If you have paid off your loan, you will not have an online 1098. In this situation, call the Contact center at (888) 255-3637 for assistance.

To view your tax documents:

  1. Log in to Online Banking
  2. Click the More Links icon , then click Documents and Statements. Choose the Tax Forms & Notices tab.

On Mobile App

  1. Login In to KeyPoint Mobile App
  2. Tab the Menu icon at the bottom.
  3. Tab More > Documents and Statements > eStatements and Documents. Choose the Tax Forms & Notices tab.

You will see a list of documents. Tap on any document you wish to view. Then you can download or print the document.

All active KeyPoint accounts are accessible in Mobile Banking, including savings, checking, certificates and loans. 

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™.   

To get started, download the free mobile app and register! 

Not a KeyPoint Member? Open a KeyPoint account!

Download KeyPoint’s free apps for the iPhone®, iPad®, Android™ phones and tablets through the App Store and Google Play, then register on the app.

You'll enjoy 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 a KeyPoint Member? Open a KeyPoint account!

Funds transferred between your KeyPoint accounts are available immediately. 

Download KeyPoint’s free apps for the iPhone®, iPad®, Android™ phones and tablets 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 a KeyPoint Member? Open a KeyPoint account!

Download KeyPoint’s free apps for the iPhone®, iPad®, Android™ phones and tablets 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

After you download the app, you can Register by clicking on the Register link at the bottom left.

Not a KeyPoint Member? Open a KeyPoint account!

Our mobile app is available to download in the App Store and Google Play. Search for KeyPoint Credit Union.

The Online Banking Member Login is located near the top right side of our home page at kpcu.com, and a New User? Sign Up Here link is located under the Sign In button if you are a new user.  

Need more help?

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.

The Online Banking Member Login is located near the top right side of our home page at kpcu.com, and a New User? Sign Up Here link is located under the Sign In button if you are a new user.  

Need more help?

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 view or print copies of your statements online, simply log into Online Banking and click the More Links icon , then click Documents and Statements. Choose the Statements tab. Or log into Mobile App and tab the Menu icon at the bottom. Tab More > Documents and Statements > eStatements and Documents. Choose the “Statements” tab.

We can also print a copy of your statement. Simply log into Online Banking and click the More Links icon , then click Secure Forms. Choose Statement and Check Copy Request Form to submit a request to us. Or log into Mobile App and tab the Menu icon at the bottom. Tab Secure Forms > Statement and Check Copy Request Form, to submit a request to 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.

Online Banking will automatically lock if there are multiple attempts to log into your account. Please use the Forgot Password link under the Member Login section on our home page to reset your password instead of guessing. 

As a security precaution, you must contact us to unlock your Online Banking account. We need to verify your identity and will ask for personal information before we reset your login information. 

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 set up automatic monthly payments from a KeyPoint account to your KeyPoint loans in Online Banking by clicking on the Make a Transfer tab and choosing New Transfer.   

You can also set up automatic loan payments from an account at another financial institution.

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.

As a security precaution, you must contact us to unlock your Online Banking account. The account will automatically lock if there are multiple attempts to log into your account. We need to verify your identity and will ask for personal information before we reset your login information. 

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 view or print copies of your statements online, simply log into Online Banking and click the More Links icon , then click Documents and Statements. Choose the Statements tab. Or log into Mobile App and tab the Menu icon at the bottom. Tab More > Documents and Statements > eStatements and Documents. Choose the “Statements” 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.

No—your KeyPoint membership lasts forever, and you can access your accounts any time, any place! Use Online and Mobile Banking, our 30,000 fee-free ATMs, and our Shared Branch Network wherever you go! 

Finding a KeyPoint branch or ATM is fast and easy with our ATM/Branch Locator. Locate one of our KeyPoint branches, or find more than 5,000 shared branch locations. The CO-OP shared branch network is a national network of credit unions that share branches and ATMs to provide service to all of our members. 

At a shared branch, you can make deposits, withdraw money, cash checks, transfer funds, make loan payments, get a copy of your statement, and more! 

Click here to find a shared branch near you!

View how-to videos about Online and Mobile Banking, ATMs and more.

Congratulations for going green! Simply log into Online Banking and click the More Links icon , then click Documents and Statements. Choose Paperless Settings, then select which accounts you want to receive eStatements for. 

Don't have Online Banking? You can click the Register link under the login on our home page at kpcu.com or download our mobile app on Google Play or the Apple Store. Once on the mobile app, tab the Menu icon at the bottom. Tab More > Documents and Statements > eStatements and Documents. Choose Paperless Settings, then select which accounts you want to receive eStatements for. 

Access your account online from your laptop, tablet, smartphone or personal computer. 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 

Login from KeyPoint’s home page

It’s easy and convenient to deposit checks any time, any place from your smartphone or tablet! Simply download the mobile app for your iPhone®, iPad®, or Android™ phone from the App Store or Google Play, and use your Online Banking login information to log in (or Register right on the app). 

Click on Deposit and follow the wizard. Funds may not be immediately available and are subject to the check clearing the other account. Hold onto your check for seven (7) days, then shred it.

View how-to video: Mobile check deposit

Money can be transferred to a third party from within your online banking by selecting “Make a Transfer”. You can also use Zelle. The external account/person will need to be added to your profile in order to complete the transfer. In your online banking, you will select “ADD” under People and you will be asked to add recipient’s name, email address or a mobile phone number.

For additional information please contact us at (888) 255-3637 or via live chat and our Contact Center Agents will be happy to assist.

Please contact us at (888) 255-3637 or via live chat to assist you with unlocking your online banking account. To reset your online banking password please use “forgot password” link.

 

Yes, Online Banking supports the last two versions of Microsoft Edge, Safari, Chrome and Firefox. The TOR browser cannot be used. Additionally, the Mobile app supports the last two versions of iOS and Android.

Access your account online from your laptop, tablet or personal computer—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 

Login from KeyPoint’s home page

You can access Bill Pay through Online Banking. Follow the steps below:

  • Enter a bill you want to pay
  • Decide when you want it paid
  • KeyPoint does the rest!

You can also send money to friends or relatives through Pay with Zelle!

Both features are available in Online Banking. If you have any questions, contact Member Services at (888) 255-3637 or through Live Chat.

Not registered for Online Banking?

Utilize the latest state-of-the-art technology with our Online Banking platform for unlimited access to your KeyPoint accounts:

Enroll today!

Get advice for better account management today!

Keypoint has partnered with Securities America Inc. to bring a wide range of wealth management and investment services to our Members.

  • Financial Planning
  • Retirement Planning
  • 401(k) and 403(b) Rollovers
  • Education Funding
  • Life Insurance Planning
  • Trust Services
  • And more!

Whether you need assistance getting started with a retirement plan, evaluating your investment portfolio, planning for college or other major expenses, we're here to help. For an appointment with one of our Financial Advisors, please call Mona Boomer at (408) 731-4298.

All of your KeyPoint accounts can be viewed in Online Banking! Investments use a different online system.

Access your account online from your laptop, tablet or personal computer—Online Banking is secure, free, and available 24/7. You can also use our mobile app. 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 

Enroll Now

Login from KeyPoint’s home page

To submit a secure email, you must log into Online or Mobile Banking, click on the Support Hub icon , then click the Create New Message link.

Online and Mobile Banking are secure, free, and available 24/7. After you register, you can take care of your banking tasks at your convenience: 

  • View current account balances, history and transaction details
  • 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 

Login from KeyPoint’s home page

To view your account balances online, you must first enroll in free Online Banking. 

Access your account online from your laptop, tablet or personal computer—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 

Login from KeyPoint’s home page

If your credit card is with KeyPoint you can make payments through Online or Mobile Banking. Just click the pay link by your credit card. For other credit cards, simply use free Bill Pay inside Online or Mobile Banking

You can check your account balance in Online and Mobile Banking!

Don't have online or mobile access?

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™.

To get started enroll in Online Banking or download the free mobile app and register there!

You can perform almost any service in Online Banking that you can do in a branch or over the phone! View your account balances, transfer money, pay bills, deposit checks (mobile app), and much more! Click here to view a complete list of all the services available.

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™. 

There are two types of cookies: Temporary and permanent. Temporary cookies are used and tracked by the browser to pass information and are deleted once the browser is shut down. Permanent cookies are stored on your system, and can be accessed again for multiple visits. Permanent cookies usually have an expiration date and will be automatically deleted from your system at that time. KeyPoint’s Online Banking uses temporary cookies, and may use permanent cookies, but never passes private information through cookies.

You can set up automatic monthly payments for all of your bills from your KeyPoint checking account through free Bill Pay inside Online Banking through Pay My Bills. Most major companies like PG&E, cable companies, credit card companies, and more are already set up inside Pay My Bills so the funds will transfer electronically once you set up the payee.

KeyPoint’s free 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 through Pay with Zelle! Both features are available in Online Banking.

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

Online, Mobile Banking and Bill Pay are all FREE services at KeyPoint!  


Don't have Online Banking?

Access your account online from your laptop, tablet or personal computer—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 

Mobile banking is also free, although your mobile carrier may charge texting fees. You can download KeyPoint's mobile app from the App Store or Google Play, and Register right on the app.

To log out of Online Banking, simply click on the Log Out button under the User Settings icon in the top right corner.  

Details about your Online Banking transactions will be listed under each account in Online Banking, and most are immediate. For example, if you transfer money between accounts or make a loan payment in Online Banking, you will see a description of the funds being deducted from one account, and the description of the deposit or payment will appear in your other account.

Electronic bill payments – funds will be deducted from account (savings or checking) when payment is made; check bill payment – funds will be deducted when check clears. For Bill Pay transactions, you will see the funds deducted from your KeyPoint checking account when the payment is made. For other types of transactions, you will see the money deducted from your account, but you may need to verify with the other person or your other financial institution that the funds were received.

You may also view all account transactions on your account statement.

You can make payments to your loans at other financial institutions from your KeyPoint checking account through free Pay My Bills inside Online and Mobile Banking. 

KeyPoint’s free Pay My Bills 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 through Pay with Zelle! Both features are available in Online and Mobile Banking.

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

To change your password for Online Banking, you must first log in, then click the User Settings icon on the top right corner. If you do not know your password, simply click on the Forgot Password? link located underneath the Member Login section at kpcu.com.

If you forgot your User ID, you will need to contact us at (888) 255-3637.

Simply click on the Forgot Password? link located underneath the Member Login section at kpcu.com.

If you forgot your User ID, you will need to contact us at (888) 255-3637.

You can open your browser, then visit www.updatemybrowser.org.

- or-

Chrome: Click on the wrench icon or three horizontal lines icon at the top right, then click About Google Chrome.

Firefox: Click on the Firefox name or Help in the menu bar, then click About Firefox.

Internet Explorer: Click on Help or the cog wheel icon at the top right, then click About Internet Explorer.

Safari: Click on the Safari name in the menu bar, then click About Safari.

You can open your browser, then visit www.updatemybrowser.org. 

Encryption takes plain text and creates an algorithmic scheme that encrypts/encodes to a non-readable form in order to provide privacy. 

128-bit encryption refers to the size of the key used to encrypt the message. A longer key means the encryption is more "random”, and someone attempting to decipher the message will have to try more combinations of keys. Each extra bit in a key doubles the complexity of the key.

Whenever you are on KeyPoint’s website, we can assure you that you’re safe. However, we cannot guarantee the safety of other sites. You will encounter a warning message to let you know when you’re leaving our site. 

Yes. Both services use the same User ID and Password. You will need to contact us to have your credentials reset. Call us at (888) 255-3637.

If you forgot your User ID, you will need to contact us at (888) 255-3637.

If you forget your password, you can reset it yourself by clicking on the Forgot Password? link under the login.

External Transfer 

  • Transferring money from your KeyPoint account to your account at another financial institution: funds will be credited the next business day. 
  • Transferring money from your account at another financial institution to your KeyPoint account: funds will be credited on the fourth business day.

 

Internal Transfer 

  • Transferring money from one of your KeyPoint accounts to another KeyPoint account (except a Credit Card account): the transfer happens immediately!

For example, when you transfer money from your KeyPoint Checking Account to make a payment for a KeyPoint Auto Loan, the transfer/payment happens immediately.

  • Transferring money from one of your KeyPoint accounts to a KeyPoint Credit Card account: the transfer takes two business days.

No, you can register directly in the mobile app! Just download the free app from the App Store or Google Play, and click on the Register link in the bottom left. If you already have login credentials for Online Banking, you can also use them in the mobile app. 

 

Log into Mobile Banking and choose Check Deposit at the very bottom of the screen. Then follow these simple steps:

1. Select an Account to deposit the check

2. Enter the check amount

3. Take a picture of the front of your check using your mobile phone's camera (make sure it is very clear)

4. Take a picture of the back of your check (endorse it and write "mobile" so you don't accidentally deposit it again)

5. Submit the deposit

The deposit will be posted immediately, although some funds may be placed on hold and all funds are subject to the check clearing the other account. 

You should retain the check for 90 days, just to make sure everything posted properly. Then shred it. You will receive an emailed receipt, and you can confirm the funds in Online or Mobile Banking by viewing your account transactions.

 

View how-to video: Mobile check deposit

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. The secure ATM Rebate form to receive ATM fee rebates for your Unlimited Checking account is now located on the Forms tab at the top and to the right of Online Banking.

Electronic payments are based on the payee’s ability to receive electronic payments.  If the payee cannot receive electronic payments, a paper check is sent.

Yes! Business Members enjoy the same great Online and Mobile Banking experience as other KeyPoint Members. Click here to view all the great features available, and call us at (888) 255-3637 to get started today!

You can download your transaction history from Online Banking into Quicken format and then import it into your Quicken software. Just click the Download to Quicken/QuickBooks link at the top of the account activity page.

If you forgot your User ID, you will need to contact us at (888) 255-3637.

You can change your User ID and Password any time in Online or Mobile Banking.

User ID - Your user ID must be between 6 and 26 characters in length and may be made up of both letters and numerals. Your user ID is not case sensitive.

Password - Your password must:

  • Have between 8-32 characters
  • Contain at least one letter
  • Contain at least one number
  • Contain only the following special characters !@#$%^&*()|-_+=[]{};':",.<>?/`~

Alerts are notices that you set up to automatically tell you when specific activity occurs on your accounts (e.g., a balance that falls below $100, a deposit that is greater than $500). 

Alerts are sent through text or email directly to your mobile device, and are a great way to keep track of your account activity and monitor your accounts for fraudulent transactions.

To set up Alerts, log in to Online Banking, click the More Links icon , then click Alerts. Or log in to Mobile App, tab the Menu icon at the bottom. Then tab Alerts.

Yes, the new Online Banking system will allow you to export your financial data into Quicken and QuickBooks.

Simply log in to Online Banking or Mobile App, click Send Wires.

The Travel Notification form that lets you inform KeyPoint that you will be out of the country so we don't block your debit/credit card is located under the More Links icon  at the top right of Online Banking > Travel Notice.

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. Simply log into Online Banking and click the More Links icon , then click Documents and Statements. Choose the Paperless Settings on the left.

Don't have Online Banking? You can click the Register link under the login on our home page at kpcu.com or download our mobile app on Google Play or the Apple Store. Once on the mobile app, tab the Menu icon at the bottom. Tab More > Documents and Statements > Paperless Settings.

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

Online Banking is FREE!

Access your account online from your laptop, tablet or personal computer—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 
     

Register

Log in from KeyPoint’s home page

Internal or External Transfers can be set up from within your online banking under “Move Money” tab. For External transfers the initial set-up of the External Account is very simple and easy – it does however require additional verification steps and can take up to three business days to be completed.

For additional information please contact us at (888) 255-3637 or via live chat and our Contact Center Agents will be happy to assist you.

Transactions can be downloaded in QIF file or QFX format.  To export to a QFX file format, follow the following steps:

  1. Log in to Online Banking
  2. Click My Accounts
  3. Select Download to Quicken/Quickbooks
  4. Select account to download
  5. Enter start and end dates
  6. Select Quicken or QuickBooks
  7. Click Download
     

To export to a QIF file,

  1. Log in to Online Banking
  2. Click My Accounts
  3. Select Account Summary
  4. Click on account to download
  5. Under History, click Download
  6. Select Quicken

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/.
  • 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 or Mobile App, click on your Account Name, then choose the Details tab.

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.

KeyPoint does not offer 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

Your tax statements are available in Online Banking and Mobile App. Log in to Online Banking, click the More Links icon , then click Documents and Statements. Choose the Tax Forms & Notices tab. Or log in to Mobile App, tab the Menu icon at the bottom. Tab More > Documents and Statements > eStatements and Documents. Choose the Tax Forms & Notices tab.

Copies of retirement account tax statements (e.g. 1099R, 1099SA, 5498, etc) are only available by contacting member services at (888) 255-3637.


Don’t have Online Banking?

Access your account online from your laptop, tablet, smartphone or personal computer—Online and Mobile 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 

Enroll Now

Login from KeyPoint’s home page

There are four ways to change your contact information:

1. Online Banking - Simply log in and click on the User Setting icon at the top (for changes other than a name change).
2. Mobile App – Simply log in and click Menu at the bottom. Then click Settings > Profile.
3. By Mail - Send your new information to us via mail (KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131), along with appropriate proof such as a copy of a marriage license or new driver’s license. You must also include your signature for verification.
4. In Person – Visit any KeyPoint branch with proof of your changes.  

Save a tree and simplify your life with free eStatements! 

No more paper cuts, waiting for the mail, or managing paper files. Sign up for eStatements and you can access up to 36 months of your KeyPoint account statements in Online or Mobile Banking. You’ll receive your statements faster, and they’ll be securely stored. You’ll be notified by email as soon as your eStatement is available. 

In Online Banking, simply click the More Links icon , then click Documents and Statements. Choose the Paperless Settings on the left. Or log in to Mobile App, tab the Menu icon at the bottom. Tab More > Documents and Statements > Paperless Settings. It’s that simple! 

Tax forms are sent by January 30th, and will be available for a period of 24 months in Online Banking. Log in to Online Banking, click the More Links icon , then click Documents and Statements. Choose the Tax Forms & Notices tab. Or log in to Mobile App, tab the Menu icon at the bottom. Tab More > Documents and Statements > eStatements and Documents. Choose the Tax Forms & Notices tab.

Don’t have Online Banking? 

Access your account online from your laptop, tablet or personal computer—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, cell phone, or directly to their bank account
  • Transfer funds between your KeyPoint accounts and your accounts at other financial institutions
  • View eStatements, eTaxes and other electronic documents 
 

Register

Log in from KeyPoint’s home page

Yes, your account information is available 24 hours a day through both Online and Mobile Banking.

Access your account online from your laptop, tablet or personal computer—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 

Mobile Banking offers most of the same featues, PLUS you can deposit checks using the camera on your mobile device! Just download KeyPoint's mobile app from the App Store or Google Play, and register to get started.

KeyPoint sends secure messages to Members within Online and Mobile Banking.

To view the message in Online Banking, log in and click on the Messages icon located on the right side of the Overview screen.

To view the message in Mobile Banking, log in, tap the Contact Us link under the More screen and select Send Message.

You can transfer money between accounts through free Online or Mobile Banking. Transfers are immediate between your KeyPoint accounts. You can also transfer money to and from your KeyPoint accounts and your accounts at another financial institution or send someone money using their email or cell phone number. 

Don’t have Online Banking?

Access your account online from your laptop, tablet or personal computer—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 
 

Register

Log in from KeyPoint’s home page

Some of the core advantages of online and mobile banking include:

  • The ability to check your account, anywhere anytime
  • Simple online bill settlement
  • Mobile device alerts
  • Mobile check deposits
  • Easy integration with budgeting apps and other financial tools
  • Eliminate paper waste and save trees

Learn more about the advantages of online banking.

Yes! Click here to learn more about our mobile and online banking programs.

You can send, request or receive money with Zelle®.

  • To get started, log in to online banking or our mobile banking app and navigate to the "Pay with Zelle®." To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account and then you will receive a one-time verification code. Enter it and you're ready to start sending and receiving with Zelle®.
  • To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes if they are already enrolled with Zelle®.
  • To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request." If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
  • To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes.

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.

If you have not enrolled with Zelle®, click on the link provided in the payment notification you received via email or text message. Then follow the instructions provided on the page to enroll and receive your payment. 

Pay attention to the email address or U.S. mobile number where you received the payment notification — you should enroll with Zelle®using that email address or U.S. mobile number where you received the notification to ensure you receive your money.

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our support team and ask them to move your email address or U.S. mobile phone number to so you can use it for Zelle®.

Once support moves your email address or U.S. mobile phone number, it will be connected to your account so you can start sending and receiving money with Zelle® through the mobile banking app and online banking. Please call our Contact Center at (888) 255-3637 for help.

Keeping your money and information safe is a top priority for us. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.1

Since money is sent directly from your bank account to another person's bank account within minutes, 1 Zelle® should only be used to send money to friends, family and others you trust.

If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

Neither KeyPoint nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience.

You can find a full list of participating banks and credit unions live with Zelle® here

If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa®or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

To use Zelle®, the sender and recipient's bank accounts must be based in the U.S.

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel and then select "Cancel This Payment."

If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you know and trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our Contact Center at (888) 255-3637 so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by KeyPoint but are a separate service from Zelle® and can take one to three business days to process.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things like regularly sending money to your college student.

Scheduled or recurring payments sent directly to your recipient's account number (instead of an email address or mobile number) are made available by but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Zelle® does not charge fees to send or receive money with it, but there is a fee to cancel a Zelle® transaction that is still pending because the recipient hasn't yet enrolled. If the recipient doesn't enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.

Your mobile carrier's messaging and data rates may apply.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine send limits, call our Contact Center at (888) 255-3637.

There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

It’s up to you and your banking preferences. Both Zelle® and External Accounts are available on our Mobile App and Online Banking. Learn more about using Zelle®.

It’s up to you.

Zelle®—With Zelle, you can send money from your account to your recipient’s account. (Recipient’s checking or savings account must be at a U.S.-based financial institution.) Typically, an enrolled recipient will receive the money within minutes. Learn more about using Zelle®.

Pay a Person—You can send money two ways: 1) Use the debit card system; money available to your recipient within minutes and 2) If you do not have a KeyPoint debit card, use the Automated Clearing House (ACH) system. Money is available in your recipient’s account in up to 3 days.

To access Zelle® across several financial institutions, you must use separate email addresses or U.S. mobile numbers. Your email or U.S. mobile number is a “social token” corresponding to your enrollment at a particular financial institution. By linking unique email addresses or U.S. mobile numbers, you can use Zelle® at multiple financial institutions; only one U.S. mobile number or email address can be assigned to a financial institution. Learn more about using Zelle®.

Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.

You can send money to friends, family and others you trust.

Since money is sent directly from your bank account to another person's bank account within minutes, it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.

Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.

Since money is sent directly from your bank account to another person's bank account within minutes, Zelle® should only be used to send money to friends, family and others you trust.

Neither KeyPoint nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

It's easy – Zelle® is already available within our mobile banking app and online banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle® today.

When you enroll with Zelle® through your online banking account or mobile banking app, your name, the name of your financial institution and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with KeyPoint).


When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its "directory" and notifies KeyPoint of the incoming payment. KeyPoint then directs the payment into your bank account, all while keeping your sensitive account details private. 

Money sent with Zelle® is typically available to an enrolled recipient within minutes.

If you send money to someone who isn't enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient's account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.

If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact our Contact Center at (888) 255-3637.

Yes! They will receive a notification via email or text message.

If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle® for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither KeyPoint nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

You can access Mobile and Online banking directly from all countries except the following:  Afghanistan, Albania, Belarus, Bosnia and Herzegovina, Bulgaria, China, Croatia, Democratic Republic of the Congo, Cote D’Ivoire, Cuba, Iraq, Iran, North Korea, North Macedonia, Liberia, Myanmar, Nigeria, Romania, Russia, Serbia, Slovenia, Sudan, Syria, and Zimbabwe. You can access the service from these counties, however, if you use a VPN.