Checking Accounts

Kinecta checking accounts offer the convenience and flexibility to meet your needs.

Click here for Overdraft Protection Solutions

All of our checking accounts offer:

Free Online & Mobile Banking
Free Bill Pay with Payment Guarantee
Nationwide COOP ATM Access
Nationwide COOP Branch Access

Find Out Which Account is Right for You


  • Checking Plus

  • Open Yours Today
  • Tiered Rate Dividends
  • Free Withdrawals at Any ATM Nationwide1
  • No Monthly Fee with Direct Deposit2
  • First Box of Checks Free
  • Access to 30,000 Surcharge-Free
    CO-OP ATMs3
  • Free Account Alerts
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking5
  • Free Remote Deposit
  • Classic Checking4

  • Open Yours Today
  • No monthly fee with qualifying accounts
  • First Box of Checks Free
  • Access to 30,000 Surcharge-Free
    CO-OP ATMs3
  • Free Account Alerts
  • Free Online Banking
  • Free Bill Pay
  • Free Mobile Banking5
  • Free Remote Deposit

Testimonial - Sharon Testimonial - Sharon - Mobile

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

1The owner or operator of the ATM may assess a fee.

2Checking Plus has no monthly service fee in any month with: 1) $2,500 average monthly balance, or 2) direct deposits totaling $500.00 or more.

3Kinecta and credit union CO-OP ATMs.

4Classic Checking has no monthly service fee in any month with: 1) $1,500 average monthly balance, or 2) 10 or more debit card purchases per month posted to account, or 3) an active Kinecta credit card in good standing, or 4) an auto or mortgage loan in good standing, or 5) the primary owner is either under age 18 or is age 62 and up, or 6) during the first three months of a new account.

5For mobile banking, message and data rates may apply.