Checking Accounts
Checking accounts designed to help you thrive
Compare your KeyPoint checking options for the right fit.
Select up to twofour accounts
Money4Me
FREE! Grow your savings with every purchase and get a BackUp when short on cash
Monthly Service Fee
Monthly Service Fee
Free2
Free2
$17 (waived with minimum direct deposit of $1,000 or 10 debit purchase transactions within a month)
$12 (waived with direct deposit or $750 average daily balance)
Free
Free
Online and Mobile3 Banking
Online and Mobile3 Banking
Free
Free
Free
Free
Free
Free
Bill Pay
Bill Pay
Free
Free
Free
Free
N/A
N/A
eStatements
($2 paper statement fee)
($2 paper statement fee)
eStatements
($2 paper statement fee)
($2 paper statement fee)
Free
Free
Free
Free
Free
Free
Minimum Opening Deposit
Minimum Opening Deposit
$10
$10
$100
$100
$10
$10
Rates (as of 4/1/2026)
Rates (as of 4/1/2026)
N/A
N/A
N/A
0.05% (0.05% APY)4
N/A
N/A
Bank From Your Phone
Easy banking with our handy mobile app
Check balances, pay bills, deposit checks and more with our mobile app.
All accounts require KeyPoint Membership. Must have a responsible adult (18+) joint owner on Student and Kids Checking accounts.
1 KeyPoint will automatically rebate ATM fees within a few business days.
2 Free account with eStatements; $2 monthly fee for paper statements.
3 Mobile carrier rates may apply.
4 Checking accounts have variable rates. Rates accurate as of 4/1/2026 and subject to change. Fees may reduce earnings.