KeyPoint Credit Union Checking Accounts
KeyPoint Checking Accounts
Enjoy free checking, free Online and Mobile Banking*, and free bill pay!
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Checking Accounts

Whether you choose free Organic Checking, Unlimited Checking with ATM fee rebates, Dividend Checking to earn interest, or Student Checking for kids 12 to 17, KeyPoint Credit Union makes it easy to go about your daily activities in the Bay Area, Silicon Valley, throughout California and the world knowing that your checking account works for you!

Our checking accounts all come with great free features, like mobile check deposits and access to 30,000 fee-free ATMs nationwide!

Lean more about our accounts below and open one easily online.

    • Compare Accounts
    • Free Features
    • Overdraft Protection
    • Checking Account Rates

Choose the account that's right for you!

  Organic Free Checking
No  monthly service fee!
Unlimited Checking
Enjoy worldwide ATM fee rebates!1
Dividend Checking
Earn dividends on
your account balances!
Free Student Checking
Free for students
12-17 (then converts to Organic Checking)
Monthly Service Fee Free! $17 (waived with minimum $500 direct deposit) $12 (waived with
direct deposit or $750 average daily balance)
Online and Mobile Banking*
Free! Free! Free! Free!
Bill Pay Free! Free! Free! N/A
($2 paper statement fee)
Free! Free! Free! Free!
Minimum Opening Deposit $25 $100 $100 $25


Call (888) 255-3637 or Live Chat with a representative via the link in the top right corner.

1 An ATM Fee Rebate Form must be submitted by accountholder. 

Your KeyPoint deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).

Free Features

As a member of KeyPoint Credit Union, you can take advantage of our exclusive checking account features designed with you in mind.

Free Additional Features
Mobile Banking*
Access your accounts and deposit checks using our Mobile Apps for iPhone, iPad, and Android devices. We also have mobile web banking for other smart phones.
24/7 Support Get helpful answers from real people by calling (888) 255-3637, or initiate an online Live Chat discussion with a live representative. We're here for you 24 hours a day, every day of the year.
Online Banking
  • Check balances, transfer funds, pay bills online
  • Aggregate all your accounts, even from other financial institutions
  • Get account alerts by text or email in real time, any time
  • Check images: View copies of cleared checks
  • e-Statements: Go Green! Get your monthly statements delivered electronically
Unlimited Check Writing This helpful perk comes with all of our checking account products.
VISA® Debit Card
Withdraw cash and deposit funds at any ATM; and make purchases wherever Visa® is accepted. Our debit cards have secure EMV® technology and can be used with mobile wallets
CO-OP Free ATMs Enjoy fee-free access to 30,000 CO-OP ATMs nationwide, including most credit unions
Shared Branch Network Make deposits, withdrawals and enjoy complete teller services at over 5,000 participating credit unions in the Shared Branch Network.

Overdraft Protection

Life happens! KeyPoint Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help. Every KeyPoint checking account includes overdraft coverage options that can be combined to provide maximum convenience and flexibility while serving as a safety net:

Savings or Money Market Overdraft Coverage
Your KeyPoint savings accounts can be linked per your request to your checking account. If your checking account does not have enough funds, then we’ll automatically transfer funds up to your available savings balance.

Line of Credit Overdraft Coverage
You can link your KeyPoint personal line of credit (excludes credit cards and HELOCs) to your checking account. If your checking account does not have enough funds to pay an item, we’ll automatically advance up to your available credit line loan limit.

Courtesy Pay Privilege

In addition to the overdraft protection options, Courtesy Pay Privilege protects you from an accidental account overdraft* and the costs and embarrassment that go along with it. Please review the Courtesy Pay service guidelines for full details.

To authorize or cancel for overdraft protection on your KeyPoint checking account, call (888) 255-3637, or complete this form.

*KeyPoint Credit Union will determine at our sole discretion whether to pay overdrafts caused by check, ATM or Debit Card withdrawal, point-of-sale and ACH transactions. There is a fee of $29 for each item that KeyPoint chooses to pay. You must pay all overdrawn amounts and fees immediately, but no later than 45 days. Not all accounts qualify for Courtesy Pay. Refer to the agreement for complete information.

Checking Rates
Rates Effective: 10/31/19
TitleDividend RateAnnual Percentage Yield (APY)
Dividend Checking0.05%0.05%

Checking accounts have variable rates. All dividends are compounded and paid monthly.

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.  For more information, see the Truth in Savings Disclosure

Rates as of 10/31/19 and are subject to change. Fees may reduce earnings. 

*Mobile carrier rates may apply.