Checking Accounts
From basic checking to interest-bearing accounts, daily money management is easier with KeyPoint Credit Union. All of our checking accounts come with great free features, including fast direct deposit (as much as two days faster than other financial institutions), a free Visa® Debit Card, Online and Mobile Banking, and fee-free access to over 30,000 ATMs. Plus, your funds are federally insured by the NCUA.
Personal checking to fit YOUR needs
Not sure which checking account is right for you? Visit our California Bay Area and Santa Barbara County branches in San Jose, Cupertino, Dublin, Goleta, Milpitas, Santa Clara, or Santa Teresa today.
|
Money4Me |
Free |
Unlimited |
Dividend |
Student |
Kids |
|
|---|---|---|---|---|---|---|
| Feature | FREE! Grow your savings with every purchase and get a BackUp when short on cash. | No monthly service fee | Enjoy worldwide ATM fee rebates!1 | Earn dividends on your account balances | Free for students 13-17 (then converts to Free Checking) | Free for kids 8-12 (then converts to Student Checking) |
| Open Learn More |
Open Learn More |
Open Learn More |
Open Learn More |
Open Learn More |
Open Learn More |
|
| Monthly Service Fee | Free | Free | $17 (waived with minimum direct deposit of $1,000 or 10 debit purchase transactions within a month) | $12 (waived with direct deposit or $750 average daily balance) | Free | Free |
| Online and Mobile2 Banking | Free | Free | Free | Free | Free | Free |
| Bill Pay | Free | Free | Free | Free | N/A | N/A |
|
eStatements ($2 paper statement fee) |
Free | Free | Free | Free | Free | Free |
| Minimum Opening Deposit | $10 | $10 | $100 | $100 | $10 | $10 |
| Rates (as of 9/1/2025) | N/A | N/A | N/A | 0.05% (0.05% APY)3 | N/A | N/A |
All accounts also require KeyPoint Membership.
Must have a responsible adult (18+) joint owner on Student and Kids Checking accounts.
1KeyPoint will automatically rebate ATM fees within a few business days. 2Mobile carrier rates may apply. 3Checking accounts have variable rates. Rates accurate as of 9/1/2025 and subject to change. Fees may reduce earnings.