Celebrate Early Paydays

Meet Money4Me Checking
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. BackUp1 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 SaveUp2 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 deposit3.
  • Fee-free4. 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.

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1 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.

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

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

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

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