Celebrate Early Paydays

Meet Money4Me Checking

Smart features, no monthly fee and a welcome bonus of up to $3001

No Monthly Fee
Easy Access
Real Support
Helpful Tools

Much More Than a Checking Account

The Money4Me account is 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 Credit Union. Enjoy no maintenance fees, easy access, real support and helpful tools for all your money moves.

  • Life happens. BackUp² can help. Whether it’s an unexpected bill or a weekend splurge, we’ve got your back if you’re short on cash.
  • You spend, you save! With the optional SaveUp3 feature, your debit card purchases are rounded up to the nearest dollar, and the difference is automatically deposited into your Membership Savings account daily.
  • Get paid early. The only thing better than getting paid is getting paid early! See your paycheck up to 2 days sooner with direct deposit4.
  • Fee-free⁵. Tired of wasting money on fees? With a Money4Me account, your money stays where it belongs — no fees, no stress, just freedom.
  • Total control. Move your money how, when and wherever you need. Swipe, tap and transfer — your money is always at your fingertips.

New to KeyPoint?

 GET UP TO $3001 when you open an account and set up direct deposit! Use promo code NM26

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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 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 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 Money4Me 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 Money4Me 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 BackUp 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 $14 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.

3 With optional SaveUp feature, the difference between debit card purchase amount and whole dollar amount is deposited to Membership Savings account daily. 

4 Payroll direct deposit arrives up to 2 days earlier than many other institutions. 

5 Free account with eStatements; $2 monthly fee for paper statements. 

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