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Business Banking

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Business Analyzed Checking

When you need more than straightforward checking, it’s time to get an analyzed account. With no minimum balance and earnings credits, this type of account can improve your operational cash flow. It offers statement reporting so you can easily see when and where your money is going. It’s a must-have for most mature businesses.

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  Business Essentials Checking Business Analyzed Checking
Account opening balance $100 $100
Monthly service fee $15; waived based upon balance1 $14, may be offset by earnings allowance2
Debit card Free Free
Kinecta & shared network ATM transactions3 Free Free
Online banking & bill pay Free Free
Mobile banking4 Free Free
eStatements Free Free
First 200 written checks5 Free $0.15 per check

First 50 check or cash deposits

Free Free
First $5,000 cash deposit6 Free Offset by earnings allowance of $0.15 per $100
Analyzed reporting of debits and credits Not available Available
Earnings credit Not available Available

Business Savings Accounts

Saving accounts help each dollar work harder. It’s also the perfect time to put money aside for unplanned cash flow challenges like economic downturns, supply delays, staff turnover, or property maintenance. Kinecta gives you plenty of options to make sure you have the cash you need…when you need it.

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 Regular Business SavingsBusiness Money MarketRegular Business CertificateJumbo Business Certificate
Opening minimum deposit$5No$100$100,000
Deposit at any timeYesYesNoNo
Withdraw at any timeYesYesNoNo
Dividend payoutsQuarterlyMonthlyMonthlyMonthly
Monthly service fee$5; waived based on balance7NoNot applicableNot applicable

MasterCard® Business Debit Card

Tap, dip, swipe. Our debit card is available when you open any checking account. With security features and new chip technology, it’s the easy, reliable way to make purchases, pay bills, and conduct ATM transactions. 

Let's Connect

Our knowledgeable Member Contact Center team will answer your questions – big or small. If you need a specialist, they’ll put you in touch with one right away. Our goal is your goal: get you answers fast!

800.854.9846 Monday to Friday: 5am - 6pm Pacific, Saturday: 6am - 3pm Pacific
Or, stop by a branch and speak to us in person. (Except Federal Holidays.)

Business Credit Card

Kinecta’s MyPro Mastercard® gives you cash-back on typical business expenditures. From office supplies to travel expenses, we’ve got you covered.

Business Loans

Kinecta is an SBA-approved lender, so we can help you with these loans and lines of credit…whichever is best for you.

We also offer commercial real estate loans from     

$1-$10 million

Business Insurance8

Whether you work from home or at an office, your need supplemental policies to protect against property damage, accidents, or on-the-job injuries. Don’t let one insurance incident destroy your future.

Unlawful Internet Gambling Enforcement Act. Prohibits any person engaged in the business of betting or wagering (as defined in the Act) from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. As a member of Kinecta Federal Credit Union, these restricted transactions are prohibited from being processed through your accounts or banking relationship with us.

Insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency

Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.

1$15 monthly service fee. Waived if the following conditions are met: $500 average monthly balance, $15,000 combined balance across all business deposits (exclusive of any consumer account balances), or $25,000 business loan balances

2Earnings allowance. Accrual of credit used to offset all or a portion of eligible account activity and service fees. Calculation of the earnings allowance is based on the investable balances available to which an earnings credit rate, set at Kinecta’s discretion, is applied.

3ATM Network and Fees. No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owner/operators may assess a fee.

4Mobile banking. Message and data rates may apply.

5$0.25 transaction fee per item upon the 201st check cashed.

6$0.10 per $100 upon the 51st cash and/or check deposit.

7$5.00 monthly service fee. Waived if the following condition is met: $250 average monthly balance of multiple accounts under the same member number; OR first three months of a new account.

8Insurance products are offered through Kinecta Financial & Insurance Services, LLC., subsidiary of Kinecta Federal Credit Union. California Insurance License #0E24631. Insurance products: 1) are not NCUSIF insured; 2) are not obligations of or guaranteed by the Credit Union or any affiliated entities; 3) involve investment risk, including possible loss of value. Insurance products not available in all states.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.