Regular Certificate3
If you don’t need access to your funds for 90 days or more, consider a certificate with an opening deposit of $100.
4.25% APY*
for 13 months
Get up to $3501 when you open a new checking account.
Open a new personal checking account and complete eligibility requirements.
Already a member? Open new accounts in online banking or the app.
Select the checking account that’s right for you.
With features like Early Payday2 and our versatile mobile app, it’s all about convenience.
Classic Checking
A standard checking account for everyday needs.
Already a member? Open new accounts in online banking or the app.
Checking Plus
A checking account that pays you dividends.
Already a member? Open new accounts in online banking or the app.
Our certificates grow your savings with bullish returns.
Experience savings on your terms with diverse certificate options designed to meet your needs.
Liquid Certificate4
Deposit money at any time, and withdraw up to half your account balance penalty-free for easy access to your funds.
4.250% APY*
for 9 months
Jumbo Certificate5
For certificates opened with $100K or more, you may be able to earn even higher dividends.
3.75% APY*
for 3 months
Regular Certificate3
If you don’t need access to your funds for 90 days or more, consider a certificate with an opening deposit of $100.
3.50% APY*
for 30 months
Already a member? Open new accounts in online banking or the app.
High-Yield Money Market
Larger balances earn higher dividends with this tiered-rate account.
- Competitive rates
- No minimum balance required
- Dividends paid monthly
- Up to 0.50% APY*
Already a member? Open new accounts in online banking or the app.
Traditional Savings
Savings made easy! Deposit or withdraw anytime.
- Only a $5 deposit is required to open your account
- 24/7 banking access via our mobile app
- Dividends credited quarterly
- 0.05% APY*
Already a member? Open new accounts in online banking or the app.
24/7 banking at your fingertips
Use the Kinecta mobile banking app for an easy, secure way to check account balances, complete transactions and more.
Mobile deposits
There’s no need to visit a branch or ATM to make a deposit — simply take a picture on the app.
Account balances and transactions
Stay in control of your finances with quick account access and recent transaction history.
Live support
Access live chat, send a secure message or schedule an appointment.
Zelle® network member
A fast, safe and easy way to send money to friends, family and other people you trust, wherever they bank6.
Checking & Savings FAQs
How do I open a checking or savings account with Kinecta?
1. Open online: https://kinecta.myori.com/app/oao/membership
2. Book a virtual appointment to speak with us about your options: https://www.kinecta.org/virtual-appointment
3. Visit us in person. Find a branch near you at: https://www.kinecta.org/locations
For existing Kinecta members, you can open a new account through your online banking profile by logging in and clicking “Open New Account.”
What are the differences between a checking and savings account?
Checking accounts are designed for easy access to your funds, and some checking accounts, like Kinecta Checking Plus, pay dividends.
Savings accounts earn dividends and are there to help you achieve a financial goal.
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
*Annual Percentage Yield (APY) is accurate as of 12/03/24 and may change without notice until the account is opened.
1Earn a bonus (1) opening a new personal checking account; (2) receiving direct deposit(s) totaling $500 or more in the new checking account within 60 days of account opening. Direct deposit(s) are ACH deposits.; (3) maintaining either a $5,000 average daily balance in checking for the first 90 days of account opening to earn $350 or a $1,000 average daily balance in checking for the first 90 days of account opening to earn $100; (4) completing 15 debit card transactions per 30 days for the first 90 days of account opening. Qualified transactions do not include adjustments, unauthorized or fraudulent charges, and fees of any kind. Offer not valid for members with an existing checking account or a Kinecta checking account closed within 90 days of new checking account opening. Your bonus will be paid within 30 days of meeting all qualifications described above. Account must be in good standing to receive bonus. One bonus per member. Cannot be combined with other offers. Limited time offer subject to change without notice. Bonus may be subject to IRS reporting. Member may receive a 1099 Form from Kinecta for the bonus. Member is solely responsible for the payment of any applicable taxes. Please consult your tax professional.
2Early payday. Access to direct deposit payroll funds is dependent on timing of the submission of the payment file from the payer. When received, Kinecta makes these funds available on the day the payment file is received, which may be up to two days earlier than the effective payroll payment date.
313-month and 30-month regular certificate: New money required. New money includes funds not held at Kinecta during the previous 30 days. The minimum balance to open share certificate and obtain APY is $100. This is a fixed rate, fixed term account and the stated APY applies to the initial term. The APY assumes all dividends remain in the certificate until maturity. APY may change without notice until the account is opened. Dividends are compounded monthly; a penalty is imposed for early withdrawal and fees may reduce earnings. At maturity, certificate will automatically renew at the prevailing certificate rate.
49-month liquid certificate: New money required. New money includes funds not held at Kinecta during the previous 30 days. The minimum balance to open share certificate and obtain APY is $10,000. Additional deposits are permitted at any time prior to maturity. Liquid share certificate allows for daily penalty-free withdrawals of up to 50% of the start of day balance as of 12:00am. Withdrawals exceeding 50% of the start of day balance are subject to penalties. At maturity, certificate will automatically renew to a 12-month Liquid Certificate.
53-month Certificate: The minimum balance to open share certificate and obtain APY of 3.75% is $100,000. APY of 3.50% available with $100 minimum opening balance. A certificate is a fixed rate, fixed term account and the stated APY applies to the initial term. The APY assumes all dividends remain in the certificate until maturity. APY may change without notice until the account is opened. Dividends are compounded monthly; a penalty is imposed for early withdrawal and fees may reduce earnings. At maturity, certificate will automatically renew at the prevailing certificate rate.
6U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes. At Kinecta, Zelle® is available to primary account holders of consumer checking accounts. Joint account holders are not supported at this time. Members must be 18 years of age or older. U.S. mobile number required. All Zelle® trademarks used herein, are the exclusive property of Early Warning Services, LLC and are used with permission. Kinecta IS NOT AUTHORIZED, ENDORSED, OR SPONSORED BY EARLY WARNING SERVICES, LLC- OWNER OF Zelle®.