Frequently Asked Questions
What is Kinecta Direct?
Kinecta Direct is the credit union's "Online Banking" online account access. It is available 23 hours a day - 7 days a week. The system is currently unavailable between the hours of 11:00 - 11:30 p.m. PST each day to allow for required maintenance.
Is Kinecta Direct both PC and MAC compatible?
Yes, You can use either or both! You can login wherever you have access to your Internet account. You can use any browser that supports 128-bit SSL encryption (typically, Internet Explorer 5.0 or higher, Netscape 7.0 or higher or AOL 8.0).
Who do I contact if I'm having trouble accessing the Internet?
We are not able to provide technical support for your Internet access. If you experience problems accessing the Internet (or our Web site) you should contact Technical Support at your Internet Service Provider (ISP).
Is there online help available for Kinecta Direct?
You will find extensive context-sensitive help available on each page within Kinecta Direct. Just click on the HELP button. You might also find it useful to review this entire list of FAQs before going online. Click here to view Kinecta Direct Online Help.
Who do I contact if I'm having trouble with Kinecta Direct?
First, click on the HELP button located in the upper left corner of your page. Answers to most operational questions can be found there or in this list of FAQ's. If you require additional assistance, please contact our Member Contact Center, or send a secure e-mail located under Services then messages button.
Is Kinecta Direct secure? Is it safe?
Effective May 1, 1999, access to your account via Kinecta Direct is blocked and your account will remain inaccessible until you complete our new Enrollment Process. It is not necessary for you to contact the credit union to block your account. Before you can access your account information, your request must be authenticated. This may result in a short delay however, feedback from some members has resulted in the implementation of this procedure. We want to assure you that Kinecta Direct was not any less secure than calling our Member Contact Center or our automated Voice Response System, however, we understand the power of the Internet and we want you to feel that your account information is secure.
Any information that you submit through Kinecta Direct is encrypted using 128-bit SSL technology. This is a strong form of encryption available for commercial use over the World Wide Web and is currently the standard for financial institutions nationwide. That means that even if the information you submit is somehow intercepted by a third party on its way to our servers, it is scrambled and very difficult to decode. For additional information on 128-bit SSL encryption, please visit Netscape's Web site.
We have also implemented state of the art firewall technology and secure password requirements to reduce the risk of attack from inside. We also have in place back office operational procedures that are not published or discussed here.
For additional security, your account is protected by a password of your choosing. No one can access your account without knowing your PASSWORD, and you can change your PASSWORD as often as you like. For added security, we will support an alpha/numeric password in a future release.
It is extremely important that you carefully review your credit union statements as well as any other written communications that you receive from the credit union. If, you feel that your account information has been compromise after your initial login, please contact Member Contact Center immediately and we will block your account from further access.
Please remember to keep your PASSWORD confidential! Credit Union employees do not have access to this information and they will NEVER ask you for this information. If someone claiming to be a credit union employee asks for that information, refuse to provide it and report the incident to the Member Contact Center immediately.
How can I tell if my browser supports 128-bit encryption?
If you use Netscape Navigator, you can find out what encryption level it supports by clicking on Help on the menu bar, then About Communicator (or Navigator). In the window that opens, look for a section on RSA Security. In the notes, if it says "This version supports U.S. security..." then your browser supports 128-bit encryption. Otherwise, it will indicate you have an export version, which only supports 40-bit encryption.
For Internet Explorer 5.0 or later, look under Help, then About Internet Explorer (or under the Apple icon in Mac) for a reference to 128-bit or 40-bit.
AOL users must have AOL 8.0 or above. Please follow the instructions available on AOL for upgrading to 8.0.
Why don't all the pages show the secure padlock when I use Internet Explorer?
The fact that the padlock symbol does not display is an existing problem with certain versions of Microsoft's Internet Explorer Browser. This is not unique to Kinecta Direct and is currently being addressed by Microsoft. Even though the padlock symbol does not appear, you can be assured that your entire session using Kinecta Direct is performed in a secure environment.
What should I do if I have questions about Kinecta Direct?
If you have questions about how Kinecta Direct works, please refer to this list of FAQs or click on the HELP button on any page within Kinecta Direct. For specific account-related questions or questions not answered by the FAQ's, please contact the Member Contact Center.
What transactions are currently available?
- Check balances on all your credit union accounts
- Transfer money within your account
- Transfer money to another members account
- Transfer money to or from another institution
- Transfer Credit Union Credit Card, Mortgage Loan and Student Loan Payments
- Order a check withdrawal to be mailed to your home
- Print a history of your transactions
- Search for a specific transaction
- Re-order a supply of checks
- Request a Stop Payment on a check
- Download and Import history to Quicken or MS Money
- Connect directly from Quicken to automatically download account history
- Find dividend earned and interest paid information
- Send secure Direct Mail to the credit union
- Bill Payment - pay bills (other than Credit Union loans)
How much does it cost?
Kinecta Direct is FREE to all members! The Bill Payment feature of Kinecta Direct is also FREE. This includes unlimited personal Bill Payments.
I forgot my password. What should I do?
If you forget your password, contact the Member Contact Center. Please note: Credit Union employees do not have access to this information and they will NEVER ask you for this information. If someone claiming to be a credit union employee asks for that information, refuse to provide it and report the incident to our Member Contact Center immediately.
I tried several times to log onto Kinecta Direct, but after a few times, I got a message that I was locked out. Why did that happen?
For security purposes, we "lock out" anyone who tries more than a few times to login without the correct account number and password. If you have forgotten your account number or password, contact the Member Contact Center . Please note that credit union employees do not have access to this information and they will NEVER ask you for this information. If someone claiming to be a credit union employee asks for that information, refuse to provide it and report the incident to our Member Contact Center immediately.
How do I print a history of my transactions?
Just click in the frame you want to print, then click the "Printer Friendly" link on the top of each page.
Can I order a withdrawal by check to be sent to me?
Yes. Checks can be ordered through the services section. Checks will be made payable to you and only be mailed to the address of record.
Can I order copies of cleared checks?
Yes. If you would like a copy of a check that has cleared your account complete the REQUEST COPY OF CHECK located under services.
Why should I use Kinecta Direct?
Kinecta Direct allows you to perform routine transactions anytime, anywhere. The free Bill Payment feature eliminates the need to write and mail checks each month.
Can I transfer money to my credit union joint accounts?
Yes. This feature is now available. Click on Transact and then on the TRANSFER TO drop down box.
How do I sign up? What paperwork is required? How do I login?
Simply click on the Kinecta Direct Button on our Web site and you will be directed to a PreLogin Screen where you can ENROLL (first time users only) or ENTER if your account has already been enabled.
New Users will be asked to complete a short Enrollment Form. Please be sure you verify the information before clicking the Submit button. Incorrect information will result in a delay in setting up your account. Please allow 24 (business) hours for verification of the information you provided. You will be notified via e-mail when your account has been activated.
Once your account is activated, you may return to the kinecta.org Web site and click on the Kinecta Direct Button. At that time, you will click on ENTER. In order to login to Kinecta Direct the first time, you must use your basic Credit Union account number as it appears on your statement - (no sub account such as 08 S8 or /alpha or -) and the password information provided in the confirmation e-mail you received.
Once you are in, and have accepted the Disclosure, you will be required to select a NEW PASSWORD. Note that the password should have a minimum of 6 characters and a maximum of 9 using any combination of letters and numbers.
- Example 1: 123456
- Example 2: a1b2c3
That's all there is to it! You're ready to go! Please remember to keep your password and other PINs confidential. Credit Union employees do not have access to this information and they will NEVER ask you for this information. If someone claiming to be a Credit Union employee asks for that information, refuse to provide it and report the incident to the Member Contact Center immediately.
Can I use my browser's BACK and RELOAD/REFRESH buttons in Kinecta Direct?
For security reasons, these buttons do not function within the Kinecta Direct secure environment and should not be used. You should use the blue buttons located across the top of each page for navigation throughout your online banking session.
What hardware and software do I need for Kinecta Direct?
There is no special software required to use Kinecta Direct, however, to access it you need an Internet-capable computer with a high-speed (56 KBPS minimum) modem and browser software that supports 128-bit SSL encryption. (Typically, Netscape 7.0 or higher or Internet Explorer 5.0 or higher). You will also need an Internet access account through an Internet Service Provider (ISP) such as Earthlink, AOL, etc. For best viewing, we recommend that your screen resolution be set to a minimum of 1024 x 768 with High Color (16 Bit) or higher color settings.
Note: Java Script must be ENABLED in order to use Kinecta Direct. Please follow your browser's instructions for enabling Java Script.
- Double click on the INTERNET EXPLORER ICON on your desktop.
- Click on HELP/ ABOUT I.E. and that will tell you what version you are running
If your version is NOT 5.0 (or higher) you can upgrade by performing any of the following steps:
- Download a newer version of MS Internet Explorer or Netscape Navigator (must be vs. 7.0 or higher with 128-bit encryption) and set the newer browser as your default.
- Login to AOL and go to AOL KEYWORD: SOAF and request that the software be sent to you. You can then load the new browser from the CD you receive from AOL.