FAQs | CA Bay Area Savings Account | KeyPoint Credit Union

Checking

What ATM network do you use and where are they located?

Our ATM network is CO-OP.

Finding a KeyPoint branch or ATM is fast and easy with our ATM/Branch Locator. Locate one of our California branches, or find more than 30,000 fee-free ATMs (at most credit unions and 7-Eleven stores). And don’t forget you can get cash-back at many stores like Safeway and Target!

Click here to find an ATM near you!

Do you support Apple Pay?

KeyPoint's debit and credit cards are available for Apple Pay. You can find more information about our Apple Pay here.

How do I order a new debit card?

You can receive a new card instantly at any KeyPoint branch! We can also mail you a new card and it will arrive in 3-5 business days.

Call (888) 255-3637 or click the Live Chat link during operating hours. You can also find our branch locations, hours and maps on our Locations page.

How do I activate my debit card?

To activate your debit card, simply call the phone number that is on the sticker on the card.

You will then be prompted to select a custom PIN after activating the card. Do not share your PIN with anyone else, and do not write it on the card. Your PIN acts as a signature when you use your debit card for point-of-sale transactions and to withdraw cash from an ATM.

You can change your debit card PIN by calling (800) 813-4132 and selecting option 3. To use this service, you must know your existing PIN and answer some verification questions. You can also select a custom PIN for your debit card at any KeyPoint branch.

To view our locations and hours, please visit our Locations page.

How do I get a copy of my statement?

To view or print copies of your statements online, simply log into Online Banking and click the More Links icon , then click Documents and Statements. Choose the Statements tab. Or log into Mobile App and tab the Menu icon at the bottom. Tab More > Documents and Statements > eStatements and Documents. Choose the “Statements” tab.

We can also print a copy of your statement. Simply log into Online Banking and click the More Links icon, then click Secure Forms. Choose Statement and Check Copy Request Form to submit a request to us. Or log into Mobile App and tab the Menu icon at the bottom. Tab Secure Forms > Statement and Check Copy Request Form, to submit a request to us.

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page.

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

What are the overdraft fees?

We charge $14 for each overdraft item. For more detailed information, please call our contact center at (888) 255-3637.

KeyPoint offers low rates on loans, high rates on savings, and low fees. At your member-owned financial institution, you’ll save money AND enjoy personal service!

Deposit Rates

Loan Rates

Mortgage Rates

What are the current rates and fees?

KeyPoint offers low rates on loans, high rates on savings, and low fees. At your member-owned financial institution, you’ll save money AND enjoy personal service! To learn more about our current fees, please call our contact center at (888) 255-3637.

What is the difference between balance and available balance?

Your balance is all the money that is currently in your account, including direct deposits that have not yet posted and debit transactions that have not yet cleared.

Your available balance shows the amount of money that is available to withdraw, excluding any holds and pending transactions. These balances may not reflect all pending items, such as checks that you have written or debit transactions that have not reached our system yet. It is your responsibility to keep track of your account activity to avoid overdrawing your account and incurring service charges.

Free Online Banking and Mobile Banking are the fastest ways to monitor your account and view your balances 24/7.

How can I sign up for direct deposit?

With direct deposit, your check is automatically and securely deposited into your account. You don't have to worry about driving to a branch, or if there will be a hold placed on your check. On pay day, your money is right where you need it!

Set up or update your direct deposit—anytime, anywhere. Here’s how:

Log into the Mobile app or Online Banking
Select Set Up Direct Deposit from the menu options
Follow the prompts - it only takes a few minutes

You can authorize direct deposit of your payroll, Social Security, retirement, Veteran's Administration benefits, or almost any recurring deposits!

Do I need to be a member to open a checking account?

Yes. Click here to become a member and create a Checking Account.

Who do I contact if I need assistance with my checking account?

Before contacting us, we recommend searching for the answer using the search bar in the top right corner of website, as many common questions have already been answered in our FAQs. If you are still unable to find an answer to your question, you can find our contact information here.

Why did I receive a call from the Fraud Prevention Center?

You received a call due to suspicious activity on your card. KeyPoint uses an automated system to constantly monitor our Members’ card activity to help prevent fraud.

The cardholder must contact us to confirm whether the transactions were authorized or not, and we always recommend contacting KeyPoint prior to traveling out of the country so we can make sure your card transactions are not accidentally blocked for suspicious activity.

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back. A Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page.

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Protecting the security of your hard-earned money is always the primary goal at KeyPoint. We are also careful to protect your privacy and personal information.

Learn more about our policies and practices.

What is the difference between a Credit Card and a Debit Card?

A debit card provides a convenient way to access funds from your checking account. The money is already in your account, and every time you use your debit card, the funds are withdrawn.

A credit card provides a convenient way to access funds from a line of credit, which is a type of loan. Every time you use your credit card, your loan balance increases up to your approved limit. You will make monthly payments to either reduce the balance or pay it in full.

Loans

How can I make credit card or loan payments?

Credit card and other loan payments can be made through Online or Mobile Banking, over the phone, or sent by mail to KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Don’t have Online Banking? Sign up today!

Access your account online from your laptop, tablet or personal computer. Online Banking is secure, free, and available 24/7. You can also use our mobile app. After you enroll, you can take care of your banking tasks at your convenience:

View current account balances and transaction details
View and export transaction history
Pay bills
View check images
Transfer money between your own accounts, and accounts of other KeyPoint Members
Send money to anyone via an email address or cell phone
Transfer funds between your KeyPoint accounts and your accounts at other financial institutions
View eStatements, eTaxes and other electronic documents

You can also download KeyPoint's mobile app from the App Store or Google Play, and Register directly on the app.

What types of credit cards do you offer?

We offer Visa Platinum Cash Rewards, Visa Platinum Rewards, Visa Platinum, and Visa Classic.

Do you offer business loans?

We offer business loans! Applying is simple, and we’ll help you every step of the way.

Small Business Administration (SBA) Loans: KeyPoint offers the 7(a) Loan Program (KeyPoint is an SBA Preferred Lender!)
7(a) Loan Program: This flexible program is used to finance everything from machinery and equipment, to land and buildings (including purchase, renovation and new construction).
Commercial & Investment Real Estate Loans starting at $350K: Offered on various types of investment real estate, including single tenant, multi-units, strip malls, land, residential investment and more.

Send an Online Request

How long does a loan approval take?

Most loan applications are approved within the same business day that you apply.

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans).

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs.

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637. Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer!

Do you offer debt consolidation personal loans and lines of credit?

KeyPoint has personal loans and lines of credit that can be used for a variety of purposes, such as consolidating bills and paying for large expenses like weddings and medical bills.

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs.

How can I qualify for a loan?

Loan qualifications vary depending on the type of loan you need. The best way to find out if you qualify for a loan is to apply. There is no cost to do so, and our staff will work with you to look for ways to get your loan request approved.

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs.

If I have bad credit, can I qualify for an auto loan?

One of the key advantages of a Member-owned financial institution is that our loan staff will work with you to look for ways to get your loan request approved.

If you had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan—there is no cost to apply, and you don’t need to be a Member to apply!

KeyPoint also has Starting Point, a unique program designed for recent college graduates and individuals new to the country. Starting Point can help you get your first auto loan and begin building credit for a successful financial future.

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs.

What are the current auto loan rates?

View our low auto loan rates!

How do I apply to refinance my auto loan?

What is a Mortgage Loan?

A mortgage is a loan to finance the purchase of your home. Similar to a car loan, your home is used as collateral for the loan. A mortgage is also a legal contract you sign to promise that you'll repay the loan with interest and other costs, typically over 15 to 30 years.

To repay the loan, you would make monthly installments or payments that typically include the principal loan amount, interest, taxes and insurance. If you don't repay the loan, your lender has the right to take back the property and sell it to cover the debt.

Are you interested in purchasing a home?

KeyPoint has the right home loan for your unique needs, whether you’re purchasing, refinancing, or deciding between a fixed or adjustable-rate loan. Our low rates and personal service make the loan process easy!

Traditional Mortgage Loans – KeyPoint has everything from purchase loans for as little as 5% down, to jumbo loans up to $2.5 million.
Home Equity Loans – KeyPoint has a great option to make the equity in your home work for you—a traditional home equity loan.
Home Equity Lines of Credit – A line of credit is an affordable way to pay for important things like home repairs, medical expenses and a college education.

KeyPoint has lots of other ways to help homeowners:

Home Loan Calculators - Calculate your housing affordability, mortgage down payment, monthly payment, and more.
Financial Hardship - We want to help Members who have fallen behind on paying mortgages, loans or lines of credit. If you need help, please let us know right away!
Buying Your First Home - Our special resource page for first-time buyers includes a five-step guide to the homebuying process, and a glossary of mortgage and real estate terms.

Want to learn more? Check out the helpful articles at our Learning Center.

Call our Mortgage Hotline to speak with a home loan expert: (877) 888-9634, Monday – Friday, 9:00-6:00; Saturday 9:30-3:00.

What is a home equity line of credit (HELOC)?

A HELOC is a revolving line of credit that works like a credit card — except it’s secured by your home. You can withdraw money as needed up to a maximum limit, pay the balance to zero and re-use the line for a set time frame called a draw period.

The benefit of a home equity loan or line of credit is to provide access to cash for things like home repairs, remodeling, medical or college expenses. Borrowing against your home's equity may have tax advantages (consult your tax advisor), and doing so may provide a lower interest rate than other options, such as credit cards or personal loans.

Learn more about home equity loans or home equity lines of credit (HELOCs).

Do you offer student loans?

Yes, we offer student loan refinancing. Learn more about student loan refinancing.

How to submit payments and deposits to KeyPoint?

We make it easy to stay on top of your loan — and even easier when you choose recurring electronic payments.

Preferred Payment Options:

KeyPoint Credit Union Mobile Banking is a secure, convenient way to access your accounts and pay bills anytime, anywhere, using your mobile device.

Log in at https://kpcu.com/ to make a one-time or recurring payment, or
Download the KeyPoint Mobile Banking App from the Apple App Store or Google Play.
Recurring ACH Payment: Set up automatic scheduled payments from a checking or savings account.

Other Ways to Pay:

Pay from an Outside Account. Set up electronic transfers by providing:

KeyPoint’s Routing Number: 321180515
Your KeyPoint Loan Number
By Mail: KeyPoint Credit Union, ATTN: Loan Payments, 2150 Trade Zone Blvd, Suite 200, San Jose, CA 95131. Include your loan number or payment coupon. Checks or money orders only.
In Person: Visit a branch near you. Find a Location

For principal-only payments, loan payoffs, or payments to special or restricted accounts, please contact us at [email protected] or (888) 255-3637 x4252.

What do I do if I lost my ATM/Debit/Credit Card?

If you lost your credit or debit card, please contact us immediately so we can block the card and prevent fraud on your account. You can receive a new card instantly at any KeyPoint branch! If you would like us to mail a new card, it will take three to five business days.

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

How can I apply for a credit card online?

KeyPoint has three great credit cards to meet your needs: A low-rate Visa® Platinum or Classic card, and a Visa® Platinum Rewards card. There is no annual fee, no balance transfer fee, no cash advance fee, and easy online access. Credit limits range from $500 to $25,000. Click here for more information or apply for a credit card online.

How do I check the status of a loan application?

If you applied online, you can log back into our online application system to see if there is an updated status (although we will call or email you as soon as we have a decision).

You can also contact us for an update!

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back. A Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page.
Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Online Banking

How do I apply for Bill Pay?

Log into Online or Mobile Banking and click Pay my Bills to get started.

KeyPoint's Bill Pay lets you pay bills online or with your mobile device any time, any place. Just enter a bill you want to pay, decide when you want it paid, and KeyPoint does the rest. You can also send money to friends or relatives! Both features are available in Online and Mobile Banking.

If you already use Online or Mobile Banking, just log in and click Pay my Bills to get started. It's fast, easy, and free! If you have any questions, contact Member Services at (888) 255-3637, or through Live Chat.

How do I access my tax documents (e.g. 1098) online?

Members who have chosen to receive e-statements also receive tax documents online. For these Members, all documents can be viewed except for IRA forms including the 1099R, FMV, 1099HSA, 5498.

Please also be aware that:

If you earned less than $10 interest on your savings account, you do not receive a 1099.
If you paid less than $600 in interest on your loan, you do not receive a 1098.
If you have paid off your loan, you will not have an online 1098. In this situation, call the Contact center at (888) 255-3637 for assistance.

To view your tax documents:

Log in to Online Banking
Click the More Links icon , then click Documents and Statements. Choose the Tax Forms & Notices tab.

On our Mobile App

Login into the KeyPoint Mobile App
Tab the Menu icon at the bottom
Tab More > Documents and Statements > eStatements and Documents. Choose the Tax Forms & Notices tab.
You will see a list of documents. Tap on any document you wish to view. Then you can download or print the document.

Which accounts can be viewed with mobile banking?

All active KeyPoint accounts are accessible in Mobile Banking, including savings, checking, certificates and loans.

Download KeyPoint’s free apps for the iPhone®, iPad®, Android™ phones and tablets, and Kindle™ devices through the App Store and Google Play so you can take advantage of these convenient and time-saving features:

Review account balances and transactions
Transfer funds between accounts
Pay bills
Deposit checks*
Locate fee-free ATMs and KeyPoint branches
View copies of cleared checks

*Not available on Kindle™.

To get started, download the free mobile app and register!

Not a KeyPoint Member? Open a KeyPoint account!

How do I sign up for mobile banking?

Download KeyPoint’s free apps for the iPhone®, iPad®, Android™ phones and tablets through the App Store and Google Play, then register on the app.

You'll enjoy these convenient and time-saving features:

Review account balances and transactions
Transfer funds between accounts
Pay bills
Deposit checks*
Locate fee-free ATMs and KeyPoint branches
View copies of cleared checks

Not a KeyPoint Member? Open a KeyPoint account!

*Not available on Kindle™.

How do I sign up for online banking?

The Online Banking Member Login is located near the top right side of our home page at kpcu.com, and a New User? Sign Up Here link is located under the Sign In button if you are a new user.

Need more help?

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

How do I sign up for bill pay?

You can access Bill Pay through Online Banking. Follow the steps below:

Enter a bill you want to pay
Decide when you want it paid

KeyPoint does the rest!

You can also send money to friends or relatives through Pay with Zelle!

Both features are available in Online Banking. If you have any questions, contact Member Services at (888) 255-3637 or through Live Chat.

Not registered for Online Banking?

Utilize the latest state-of-the-art technology with our Online Banking platform for unlimited access to your KeyPoint accounts:

Enroll in Online Banking today!

Get advice for better account management today!

Keypoint has partnered with Securities America Inc. to bring a wide range of wealth management and investment services to our Members.

Financial Planning
Retirement Planning
401(k) and 403(b) Rollovers
Education Funding
Life Insurance Planning
Trust Services
And more!

Whether you need assistance getting started with a retirement plan, evaluating your investment portfolio, planning for college or other major expenses, we're here to help. For an appointment with one of our Financial Advisors, please call Mona Boomer at (408) 731-4298.

How do I sign up to receive eStatements?

Congratulations for going green! Simply log into Online Banking and click the More Links icon , then click Documents and Statements. Choose Paperless Settings, then select which account(s) you wish to receive eStatements.

Don't have Online Banking?

You can click the Register link under the login on our home page at kpcu.com or download our mobile app on Google Play or the Apple Store. Once on the mobile app, tap the Menu icon at the bottom of your screen. Tap More > Documents and Statements > eStatements and Documents. Choose Paperless Settings, then select which accounts you wish to receive eStatements.

Access your account online from your laptop, tablet, smartphone or personal computer. Online Banking is secure, free, and available 24/7. After you enroll, you can take care of your banking tasks at your convenience:

View current account balances and transaction details
View and export transaction history
Pay bills
View check images
Transfer money between your own accounts, and accounts of other KeyPoint Members
Send money to anyone via an email address or cell phone
Transfer funds between your KeyPoint accounts and your accounts at other financial institutions
View eStatements, eTaxes and other electronic documents

Former KeyPoint Members can access their eStatements and tax documents through our Direct Sign On portal.

How do I deposit checks online?

It’s easy and convenient to deposit checks any time, any place from your smartphone or tablet! Simply download the mobile app for your iPhone®, iPad®, or Android™ phone from the App Store or Google Play, and use your Online Banking login information to log in (or Register right on the app).

Click on Deposit and follow the wizard. Funds may not be immediately available and are subject to the check clearing the other account. Hold onto your check for seven (7) days, then shred it.

View how-to video: Mobile check deposit

I am locked out of my Online Banking; how can I get access/password?

Please contact us at (888) 255-3637 or via live chat to assist you with unlocking your online banking account. To reset your online banking password please use “forgot password” link.

What services are available in Online Banking?

You can perform almost any service in Online Banking that you can do in a branch or over the phone! View your account balances, transfer money, pay bills, deposit checks (mobile app), and much more! Click here to view a complete list of all the services available.

What are Alerts?

Alerts are notices that you set up to automatically tell you when specific activity occurs on your accounts (e.g., a balance that falls below $100, a deposit that is greater than $500).

Alerts are sent through text or email directly to your mobile device, and are a great way to keep track of your account activity and monitor your accounts for fraudulent transactions.

To set up Alerts, log in to Online Banking, click the More Links icon, then click Alerts. Or log in to Mobile App, tab the Menu icon at the bottom. Then tab Alerts.

Savings

What is the current interest rate for a savings account?

What do I do if there are unauthorized transactions on my card?

Notify us immediately at (888) 255-3637 so we can block your card and prevent further fraud. We will mail you a new card(s), or you can get a replacement instantly at any KeyPoint branch. Or complete and submit a Cardholder Dispute Form so we can research the unauthorized transaction(s).

What are the current certificate rates?

You can always find our current certificate rates on our Rates page. For information on account and service fees, please call our contact center at (888) 255-3637.

Ready to open a certificate?

Your saving goals, long and short term, are important to us! Whatever your goal, KeyPoint can help get you there. We offer regular certificates and IRA certificates!

Click here to see certificate details and apply for a certificate today.

What is an IRA?

An IRA (Individual Retirement Account) is basically a savings account intended to be used when you retire.

KeyPoint has Traditional and Roth IRA options that provide intelligent savings with tax-deferred or tax-free advantages*. 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).

*Consult with a tax advisor for qualification requirements.

What is KeyPoint’s Penalty for Early Withdrawal from a certificate account?

A penalty may be imposed for withdrawals before the maturity of a certificate account.

If your account has an original maturity of 12 months or less, the penalty we may impose will equal 90 days dividends on the amount withdrawn subject to penalty.
If your account has an original maturity of more than 12 months, the penalty we may impose will equal 180 days dividends on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of a required mandatory distribution from an IRA or other tax-deferred savings plan.

Withdrawal of Dividends Prior to Maturity

The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Certificate Rates

How can I close my account?

In order to close your account, we must first confirm your identity. Call (888) 255-3637, Live Chat (the link is in the top right corner of our website) or visit any Branch location.

Are you moving out of the area?

No need to close your account! We offer free remote banking options as well as more than 5,000 shared branch locations for your convenience. If you can’t visit one of our local branches, speak with a live KeyPoint Member Service Representative by calling (888) 255-3637 or use our Live Chat at the bottom of the page. Don't miss out on our Member benefits.

Which IRA is right for you?

	IRA Certificates	IRA Flex Savings	IRA Flex Money Market
Description	A fixed-rate IRA with terms ranging from 1-60 months.	A consistent and convenient way to build savings for your retirement.	The greater your balance, the higher the interest.
Interest Rates	View Rates	View Rates	View Rates
Minimum Opening Deposit	$1,000	$100	$10,000
To Apply	Open and manage your IRA by visiting KeyPoint’s Retirement Central.

Youth

What happens when my child turns 18?

When your child turns 18, their Student Checking account automatically converts to a Money4Me Checking account with no monthly account fee and no minimum balance maintenance requirement. A Kids Saving account will convert to a Smart Savings account at the age of 18.

Once your child turns 18, you can either remain on the account or visit a branch to update the account holders.

What’s the minimum age to open an account for my child?

A Kids Savings account is a great place to start. To apply, your child must be younger than 18 years old.

Open a Kids Checking account when your child turns 8. At 13, the account will automatically convert to a Student Checking account.

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Checking

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Youth