Checking Account Features

Nationwide ATM & Shared Branch Access

Kinecta Debit Card users enjoy nationwide access to over 30,000 COOP ATMs, as well as our Shared Branch network consisting of over 5,000 locations.

Kinecta Direct Online & Mobile Banking

Get access to your account from any device... desktop, tablet or smartphone.

Kinecta Direct offers features such as Free Bill Pay, Deposit by Phone, Account Alerts and much more!

Deposit by Phone

Debit Card

The Kinecta Debit Card offers convenience and flexibility for everyday spending, including overdraft protection to ensure those important bills get paid on time

Enjoy all the benefits and security of using your Kinecta Debit Card. Find the  complete version of MasterCard Guide to Benefits here.

Account eAlerts

Set up alerts in Kinecta Direct Online Banking that notify you of specific account activity, including:
  • Account Balance above/below a specific threshold
  • Check Clearing Alerts
  • Loan Payment Alerts
  • Certificate Maturity Alerts
  • Personal alerts to remind you of birthdays, anniversaries and other important events
  • Much more...

Log into Kinecta Direct and set up your eAlerts today!


Enjoy the convenience and extra security of eStatements. Quicker than mail and safer for the environment, eStatements are a great way to effectively manage your finances.

Enrolling is easy... log into Kinecta Direct Online Banking and click eStatements.