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Prize-Linked Savings Sweepstakes

• Monthly balance match drawing up to $2,500
• Weekly drawing for $50
• Offer open to CA residents 25 and under

Branch & ATM Network1

Access over 85,000 surcharge-free ATMs and over 5,800 shared credit union branches.

Online Banking & Bill Pay

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

Mobile Banking2

Enroll in online banking to check your accounts or make payments on-the-go with our highly rated mobile app.

Earn 3% Cash Back on Gas with the MyPerks Credit Card

Get to know the MyPerks Rewards credit card which pays cash back on everyday purchases.

• No annual fee

• 0% balance transfer offer3

• Up to 3% cash back4 on purchases

• Annual relationship bonus up to 20%5

Scams & Fraud – It Pays to Be Aware

Banking & Phishing 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 and Allpoint ATMs. Unaffiliated ATM owner/operators may assess a fee.

2Mobile Banking. Message and data rates may apply.

3Balance Transfer Offer. In order to receive the introductory rate of 0.00% APR for 18 months, a balance transfer must be requested within ninety (90) days of account opening (minimum $500 transfer). Allow 15-30 business days to complete balance transfer. A 3% balance transfer fee (minimum $10) will be added to your minimum payment due at the first billing cycle. This balance transfer request may not be used to repay any existing Kinecta loans including but not limited to auto loans, mortgage loans, lines of credit, or Kinecta credit cards.

4Cash Back. Earn 3% on gas (up to $6000 in annual purchases) and 2% on groceries (up to $6000 in annual purchases). Earn 1% on all other eligible net purchases. “Net Purchases” means qualifying purchases less credits, returns, and adjustments.

5Relationship Bonus. Paid as a statement credit and is non-transferable. The Relationship Bonus is applied toward Cash Back Rewards earned from the date the account is opened.
Relationship Bonus is paid on anniversary of card open and accrued on Cash Back Rewards earned. Representative payment example: Earned Cash Back Rewards of $228 would generate $45.60 in Relationship Bonus for a total annual reward of $273.60.
After qualifying, the cash bonus will be posted to your account within the next two billing cycles. To be eligible for this statement credit, your account must be open and in good standing at the time of fulfillment. Kinecta reserves the right to modify or revoke offer at any time. Members are responsible for any taxes related to cash bonuses.