FAQs

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!

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

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.

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.

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.

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

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.

• Checking & Savings Rates
• Loan and Credit Card Rates
• Vehicle Loan Rates
• Mortgage Rates

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.

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:

1. Log into the Mobile app or Online Banking
2. Select Set Up Direct Deposit from the menu options
3. 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!

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

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.

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. 

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

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. 

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.

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.

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.

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.

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!

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™. 

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?

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. 

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

1. Enter a bill you want to pay
2. 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.

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 

Login from KeyPoint’s home page.

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

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

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.

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.

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.

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).

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.