We had a MacBook that showed a virtual keyboard on the login screen. If we clicked the X in the upper left corner, the keyboard disappeared until next login.
We checked all the accessibility settings we could find in the System Preferences, but everything was UNCHECKED. Keybard still showed up.
We discovered there is a DIFFERENT and apparently separate Accessibility Options menu!
Press OPTION-COMMAND-F5 to bring up the menu:
UNCHECK the box next to Accessibility Keyboard.
That should remove the keyboard from the login screen!
