Free Checking

KeyPoint’s Checking and Student Checking accounts are FREE! 

  • No monthly account fee, no minimum balance requirement, no direct deposit requirement
  • Fast direct deposit: we give you access to your pay as soon as your company notifies us—often one day earlier than many other financial institutions.
  • 30,000 fee-free ATMs nationwide
  • Free online banking, bill pay and eStatements1
  • Highly rated mobile app2—including mobile check deposits

when you open both a Checking and Savings accounts with Direct Deposit

  • Fund your new Checking and Savings accounts with the required minimum balance.
  • Set up monthly Direct Deposit of at least $1,000.

Be sure to use promo code M200 when opening both accounts


 A minimum of $25 required to open an account.

1$2.00 fee for paper statements. 2Mobile carrier rates may apply. 3Offer 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.


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