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

Free

No monthly service fee

Unlimited

Enjoy worldwide ATM fee rebates!1

Dividend

Earn dividends on your account balances

Student

Free for students 13-17 (then converts to Free Checking)

Kids

Free for kids 8-12 (then converts to Student Checking)
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
Free
Free
Free
Free
Free
Free
Bill Pay
Free
Free
Free
Free
N/A
N/A
eStatements
($2 paper statement fee)
Free
Free
Free
Free
Free
Free
Minimum Opening Deposit
$10
$10
$100
$100
$10
$10
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.