Compare Checking and Savings Accounts

Select up to twofour accounts

Kids Checking (Ages 8-12)

Teach lifelong money habits early

Student Checking (Ages 13-17)

Help teens build financial independence with parental controls.

Kids Savings (Under 17)

Start saving early and earn dividends**
Minimum opening deposit
$10
$10
$10
Monthly Service Fee
no
no
no
Minimum Balance to Maintain Account
no
no
no
Additional Details
Free Visa® Debit Card (daily limit of $100 for ATM withdrawals / $300 for purchases)
Free Visa® Debit Card (daily limit of $1,000 for ATM withdrawals / $5,000 for purchases)
Minimum balance to earn dividends: $0.01
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Check balances, pay bills, deposit checks and more with our mobile app.

*Available 6/1/2026-12/31/2026. To qualify, individual must be 17 or younger and open a KeyPoint Student Checking, Kids Checking or Kids Savings account with $10 minimum opening deposit. Annual percentage yields as of 7/31/2026 on Kids Savings: balances under $50,000 0.05%; balances $50,000 and up 0.10%. Bonus paid the first business day after account opening; cannot be used for opening deposit. May not be combined with other promotions. KeyPoint Membership required. Not available for Members who have had a KeyPoint account in previous 24 months. Taxes on bonuses, if any, are recipient's responsibility. KeyPoint complies with tax reporting laws. Other restrictions may apply.

**Kids Savings Account: 0.05% APY (Annual Percentage Yield) for balances under $50,000; 0.10% APY for balances $50,000 and greater. Rates available as of 3/1/2026; subject to change without notice. Dividend rates are variable and may change after account opening. Fees may reduce earnings.

KeyPoint Membership required.