We've got you covered with Overdraft Protection and Courtesy Pay!1
Overdraft Protection
When you’re signed up for Kinecta Overdraft Protection, we automatically transfer funds from your designated share savings account to cover checks and electronic (ACH) transactions drawn on insufficient funds.2 Or, you can open a line of credit to serve as your overdraft account
Courtesy Pay
In the unfortunate event that your overdraft protection is maxed out, Kinecta Courtesy Pay will protect your primary checking account to a maximum of $500, including fees.3 Higher limits may be granted based on account relationship.
Enroll Today
Sign up for Overdraft Protection by visiting your member service center or call us at 800.854.9846.
If you've got a Kinecta checking account and qualify, you’re automatically enrolled.4
1 See your Share Account Agreements & Disclosures booklet for terms, fees, and conditions.
2 Federal Regulation D limits the number of electronic transactions on share accounts. Electronic (ACH) transactions are preauthorized electronic debits, not including ATM, Debit Card or Bill Pay transactions.
3 A fee of $25 will be assessed for each item paid.
4 Program terms, conditions, and eligibility may change at any time without notice. Kinecta Federal Credit Union’s Courtesy Pay program is a non-contractual courtesy, which is granted at the Credit Union’s discretion only to qualifying checking account holders whose accounts are in good standing. As such, account holders do not have a contractual right to Courtesy Pay. If you would like to opt out of this program, please contact us at 800.854.9846.
