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Welcome Xceed Members!

Incoming Xceed members should continue to use Xceed Online Banking until Nov. 1, 2021.

Branch & ATM Network1

Enjoy access to your money through over 30,000 surcharge-free ATMs and 5,821 shared credit union branches.

Online Banking & Bill Pay

Use Kinecta’s secure online banking to check balances, pay bills, make loan payments, and more.

Mobile Banking2

Once you enroll in Online Banking, you can conveniently check your finances or make payments on-the-go with our secure mobile app.

Get your credit limit in a single click!

Curious as to how much credit you could qualify for, but afraid a hard credit pull could negatively impact your credit score3? Fear no more!

Kinecta gives you the ability to find out instantly if you qualify for a personal loan or credit card and the amount of credit you could receive - in one click of The Button.

Scams & Fraud – It Pays to Be Aware

Banking & Phishing Scams Scams. Beware of any requests to verify your account or card information.

Coronavirus Scams. Fraudsters take advantage of people during times of crisis. Don't be a victim.

Unemployment, Direct Deposit, and SBA Loan Scams. If you receive unexpected funds in your account, do your homework before responding or spending. 

IRS & Social Security Scams. If someone calls and demands immediate action to avoid arrest or threatens adverse action, that’s a big red flag.

Dating & Romance Scams. When your heart gets involved, be careful.

1ATM fees. No-surcharge fee for Kinecta and affiliated credit union CO-OP ATMs. Unaffiliated ATM owner/operators may assess a fee.

2Mobile banking. Message and data rates may apply.

3The Button. In order to provide you with a range of rates you prequalify for, Rate Reset will perform a soft credit inquiry, as authorized by you. Soft credit inquiries do not affect your credit score. If you prequalify, the rates and loan options offered to you are estimates only. Once you choose your loan options and submit your application, Rate Reset will perform a hard credit inquiry.