Mobile Banking FAQs

KeyPoint Mobile App FAQs

Note: Navigation may be slightly different depending on the type of device being used.

1. What can I do on the app?
2. Is it secure?
3. How do I download it?
4. Do I need to be registered for Consumer Online Banking to use the app?
5. How much transaction history is available?
6. Can I see check images?
7. Can I use bill payment?
8. What can I do on Bill Pay?
9. How do I log out?
10. If I am locked out of Consumer Online Banking, will I be locked out of the app as well?
11. What should I do if my mobile device is lost or stolen?
12. How can I differentiate accounts of the same type?

1. What can I do on the app?
   
   • Check account balances
   • View account transaction history
   • View cleared check images
   • Transfer funds
   • Pay bills
   • Locate surcharge-free ATM's and KeyPoint Credit Union Branches
   • Contact Us
   • View rates
   • View special offers
2. Is it secure?
   Yes, we offer the same high level of security as KeyPoint's Consumer Online Banking.
   • 128 bit encryption
   • Secure login information is not stored on the device
   • Automatic inactivity logout (5 minutes)
   • Lockout after 3 incorrect sign-on attempts
   • Account masking
3. How do I download it?
   Go to the App Store (for iPhones/iPads) or Google Play (for Androids), search KeyPoint, and follow the onscreen instructions to install the app.
4. Do I need to be registered for Consumer Online Banking to use the app?
   Yes. You can register at www.keypointcu.com.
5. How much transaction history is available?
   When you select an account name on the Accounts screen, the last 30 days of transactions will be displayed. Scroll down to see all of your transactions. Select the "Load More Transactions" button to view additional transactions up to 180 days.
6. Can I see check images?
   Yes, you can see images over the last 30 days.
7. Can I use bill payment?
   Yes, however, you must be registered for Bill Pay and can only pay the payees and billers you have established through Consumer Online Banking.
8. What can I do on Bill Pay?
   
   • Make single payments
   • View/edit/delete pending payments
   • View payment history
     Note: Recurring schedules cannot be set up, edited, or deleted.
9. How do I log out?
   When you're ready to log out, select the Sign Off button on the top right of the page and you will exit the app. The will return you to the Login screen.
10. If I am locked out of Consumer Online Banking, will I be locked out of the app as well?
    Yes, and if you are locked out of the app, you will also be locked out of Consumer Online Banking.
11. What should I do if my mobile device is lost or stolen?
    Call the carrier to report it and cancel the service to the phone/tablet or do a remote lock or data wipe via another device. There may be more information (contacts, email, other apps, etc.) that should be protected. Keep in mind, that even if a phone/tablet is lost or stolen, the thief still needs to get past the username and password.
12. How can I differentiate accounts of the same type?
    Suggest to the member to use account nicknames within Consumer Online Banking. The nicknames set in Consumer Online Banking will be shown in Mobile Banking.
    1. Login to Consumer Online Banking.
    2. Click on the User Options tab.
    3. Click Change Account Nicknames.

Mobile Web Banking FAQs

1. What is Mobile Web Banking?
2. What can I do on Mobile Web Banking?
3. Is it secure?
4. Do I need to be registered for Consumer Online Banking to use Mobile Web Banking?
5. Can I use bill payment?
6. What can I do on Bill Pay?
7. Can I make transfers?
8. Why are there two places to make a transfer?
9. If I am locked out of Consumer Online Banking, will I be locked out of Mobile Web Banking as well?
10. What should I do if my mobile device is lost or stolen?

1. What is Mobile Web Banking?
   With Mobile Web Banking, you can access account information, conduct transfers and pay and manage bill payments from any mobile device that has web browsing capabilities and a data plan.
2. What can I do on Mobile Web Banking?
   
   • View account information
   • View transaction activity
   • Pay bills
   • Transfer funds
   • Locate surcharge-free ATM's and KeyPoint Credit Union Branches
   • View rates
3. Is it secure?
   Yes, we offer the same high level of security as KeyPoint's Consumer Online Banking.
   • 128 bit encryption
   • Secure login information is not stored on the device
   • Automatic inactivity logout (5 minutes)
   • Lockout after 3 incorrect signon attempts
   • Account masking
4. Do I need to be registered for Consumer Online Banking to use Mobile Web Banking?
   Yes. You can register at www.keypointcu.com.
5. Can I use bill payment?
   Yes, however, you must be registered for Bill Pay and can only pay the payees and billers you have established through Consumer Online Banking.
6. What can I do on Bill Pay?
   
   • Make single payments
   • View/edit/delete pending payments
   • View payment history Note: Recurring schedules cannot be set up, edited, or deleted.
7. Can I make transfers?
   Yes, you can transfer between your KeyPoint Credit Union accounts set up on Consumer Online Banking.
8. Why are there two places to make a transfer?
   The "Quick Transfer" allows you to make a one time immediate transfer. The "Transfer" tab allows you to make one time immediate transfers as well as schedule future transfers.
9. If I am locked out of Consumer Online Banking, will I be locked out of Mobile Web Banking as well?
   Yes, and if you are locked out of Mobile Web Banking, you will also be locked out of Consumer Online Banking.
10. What should I do if my mobile device is lost or stolen?
    Contact your carrier to report it and cancel the service to the phone or do a remote lock or data wipe via another device. There may be more information (contacts, email, other apps, etc.) that should be protected. If you have registered for SMS text banking you can remove it through Consumer Online Banking. Keep in mind, that even if a phone is lost or stolen, Mobile Banking still requires your username and password for account access.

Text Message Banking FAQs

1. What is Text Message Banking?
2. How does it work?
3. What are some of the features?
4. Is Text Message Banking currently available to all members, and is it free?
5. How do I enroll?
6. If I use the setting "Text me my primary account balance every Friday", what time does the text get sent?
7. I moved my mobile phone number to a new mobile carrier. Will text message banking still work?
8. I deactivated my cell phone number and no longer use it. Should I do anything?
9. Where can I find more Frequently Asked Questions?

1. What is Text Message Banking?
   Text Message Banking is a service that enables you to retrieve information about your accounts from a mobile phone through text messaging (sometimes called SMS – Short Message Service).
2. How does it work?
   Send a text message with one of the keywords below to 454545 and you will receive a text message with the requested information.
   
   • BAL = Primary account balance
   • BAL ALL = All account balances
   • BAL CHK = Checking account balances
   • BAL SAV = Saving account balances
   • LAST = Last 5 transactions
   • TRANS = Transfer funds to primary account
   • STOP = Deactivate service
   • HELP = Help on keywords
3. What are some of the features?
   
   1. View current and available balance.
   2. View the last 5 transactions of one designated account.
   3. Make transfers between two designated accounts.
   4. Receive text alerts such as weekly balance or low balance.
4. Is Text Message Banking currently available to all members, and is it free?
   Yes, however you must register for the service through KeyPoint's Consumer Online Banking. While the service is free, please note that your mobile carrier's text messaging and web access charges may apply.
5. How do I enroll?
   Login to Consumer Online Banking and click Mobile Banking and Alerts under the Account Access tab and click Activate. Be sure to have your mobile device with you as it is required for enrollment.
6. If I use the setting "Text me my primary account balance every Friday", what time does the text get sent?
   Around 9 am Pacific, depending on your carrier.
7. I moved my mobile phone number to a new mobile carrier. Will text message banking still work?
   Yes.
8. I deactivated my cell phone number and no longer use it. Should I do anything?
   Login to Consumer Online Banking and deactivate the Text Message Banking service.
9. Where can I find more Frequently Asked Questions?
   Login to Consumer Online Banking and click Mobile Banking and Alerts under the Account Access tab to access more FAQ's.