Classic Checking1
Everything you need in a checking account, with many ways to eliminate a service fee. Pay bills, make deposits, or transfer money.
Checking Accounts
When you use Kinecta for your payroll Direct Deposit, you may receive your funds up to two days earlier than through other financial institutions.*
Early Payday
When you use Kinecta to direct deposit your payroll checks, you may be able to get access to your money up to two days* before your scheduled pay day. With faster access to your funds you can go shopping, pay bills early to avoid late fees and interest charges, or even splurge a little.
It's your money so why wait to access it?
MasterCard® Platinum Debit Card
Tap, dip, swipe. Our Kinecta 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.
Purchase Assurance
Coverage for most purchases if the item is damaged or stolen.
Chip Technology
An added security layer to help prevent you from becoming a victim of fraud.
Show your fan spirit!
LA Galaxy fans can request a check design and debit card with the team logo. Show your team pride every time you use them.
Click here to learn more!
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.)
Featured News
Kinecta Opens State-of-the-Art Flagship Branch in Manhattan Beach
New branch features energy-saving materials, advanced tech, and new private banking services.
Kinecta Joins the Worldwide Foundation for Credit Unions’ Ukrainian Displacement Fund Campaign
For every $1 donated, Kinecta will match $2 up to $50,000.
Easy Reader Named Kinecta 2022 “Best of the Beach” Credit Union
Kinecta is voted Best Credit Union in the South Bay according to the Easy Reader “Best of the Beach” reader’s poll.
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.
*Early 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 2 days earlier than the effective payroll payment date.
ATM fees No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owner/operators may assess a fee.
1Classic Checking. Fee waived in any month with 1) aggregate direct deposit or mobile check deposit in the amount of $250.00 per month. 2) $1,500 average monthly balance, or 3) 10 or more debit card purchases per month posted to account, or 4) an active* Kinecta credit card in good standing, or 5) an auto or mortgage loan in good standing, or 6) the primary owner is either age 26 or under, or is age 62 and over, or 7) active duty military, or 8) during the first three months of a new account.
2Checking Plus. No monthly service fee in any month if either of the following conditions are met: 1) $2,500 average monthly balance; or 2) direct deposits totaling $500.00 or more.
3Mobile banking. Message and data rates may apply.
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