Smart features, no monthly fees and a welcome bonus of up to $3001
Free access to ATMs
No Monthly Service Fees
Fee-free²
Tired of wasting money on fees? With a Free Checking account, your money stays where it belongs — no fees, no stress, just freedom.
Get paid early
The only thing better than getting paid is getting paid early! See your paycheck up to 2 days sooner with direct deposit3.
Total control
Move your money how, when and wherever you need. Swipe, tap and transfer—your money is always at your fingertips, whether you're in the Bay Area or far beyond California.
Much More Than a Checking Account
Enjoy checking that’s actually free: no monthly fees2, no minimum balance, fee-free access to over 30,000 ATMs and smart features for easy money management.
New Members get up to $3001 when you open an account and set up direct deposit! Use promo code NM26
1 Offer available from 1/1/2026 to 6/30/2026. Promo code “NM26” required at account opening. Available for new members only—person opening Free Checking account must not have had any account with KeyPoint in the previous two years. 18 years and up. $10 deposit required to open Free Checking account. KeyPoint Membership required. To obtain $300 bonus, recurring qualified monthly direct deposit from salary or personal income (e.g., pension, social security or government benefits) of at least $1,000 per month must be established to Free Checking account within 60 days of account opening. Recurring transfers or deposits from other accounts held at KeyPoint or other institutions, debit/credit card payments, account-to-account transfers or peer-to-peer services (e.g., Zelle® or Venmo) do not qualify. KeyPoint may verify deposit sources and withhold bonuses if requirements are not met. Bonus will be deposited to the Free Checking Account in $50 monthly increments for each consecutive month in which required direct deposit is received for up to 6 months. Total bonus credited within 9 months of new account opening. Interruptions or failure to meet direct deposit requirements will forfeit remaining bonus payments. ADDITIONAL INFORMATION. (1) Offer cannot be combined with other promotions. (2) KeyPoint employees and officials and their immediate families cannot participate. Other restrictions may apply. (3) Taxes on bonuses, if any, are the recipient’s responsibility. KeyPoint complies with federal and state tax reporting laws.
2 Free account with eStatements; $2 monthly fee for paper statements.
3 Payroll direct deposit arrives up to 2 days earlier than many other institutions.
KeyPoint does not provide, and is not liable for any third-party site’s products, services, disclosures, privacy policy, security policy, website content, and other terms and conditions.
