Free Checking


KeyPoint’s FREE Checking and Student Checking accounts: 

  • No monthly account fee, no minimum balance requirement, no direct deposit requirement
  • 30,000 fee-free ATMs nationwide
  • Free online banking, bill pay and eStatements**
  • Highly rated mobile app***—including mobile check deposits


And, for a limited time, get $200* when you open both a Checking and Savings Account with Direct Deposit. Be sure to use promotion code M200.

Open a FREE Checking or Student Checking account with $25 online or at any KeyPoint Branch!

We also have Unlimited Checking and Dividend Checking.
Questions? (888) 255-3637 or


A minimum of $25 required to open an account.

*Offer subject to change or cancellation. New Member bonus is paid within 90 days of account opening if (a) you open your KeyPoint checking account with the required minimum balance and (b) you set up recurring monthly direct deposit of net pay or other income ($1,000 per month minimum) to your KeyPoint checking account and the first direct deposit posts within 60 days after account opening. New KeyPoint membership required. Individuals who have been KeyPoint Members within one calendar year prior to account opening are not eligible. Direct deposit must be new to KeyPoint, not moved from an existing KeyPoint account. Offer cannot be combined with other promotions. KeyPoint employees, officials and their immediate families may not participate. Other restrictions may apply. Taxes on bonus, if any, are the responsibility of the recipient. **$2.00 fee for paper statements. ***Mobile carrier rates may apply.