FAQs

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.

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.

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 The money is already in your account, and every time you use your debit card, the funds are withdrawn.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. 

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.

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.