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
Bank From Your Phone
Easy banking with our handy mobile app

Check balances, pay bills, deposit checks and more with our mobile app.

* Offer valid for new Members ages 17 and under who open a KeyPoint Student Checking, Kids Checking or Kids Savings account from 3/1/2026 to 7/31/2026. $10 minimum opening deposit. $75 bonus paid the first business day after account opening and cannot be used to satisfy the minimum opening deposit requirement. Bonus not available if the Member has had any KeyPoint account in the previous twenty-four months and cannot be combined with other promotions. Other restrictions may apply. Taxes on bonuses, if any, are the recipient's responsibility. KeyPoint complies with federal and state tax reporting laws.

**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.