Early Payday
Set up direct deposit with your employer and get paid up to 2 days early*!
Checking Accounts
Get paid quicker. You may receive your payroll funds up to two days early.*
Kinecta members: open additional accounts in Online Banking
Open a checking account that checks all your boxes.
Learn what banking done different means with a checking account that covers all your needs. Kinecta makes it easy to access your money, pay bills and deposit funds.
No-fee ATMs Nationwide
Access over 85,000+ fee-free ATMs†, which are often located in popular locations such as Target, Walgreens, CVS, 7-Eleven, Costco and many more.
24/7 Mobile Banking at Your Fingertips
Utilize Zelle®, mobile deposits and other convenient features with our highly rated Kinecta mobile app.
Already a member? Open new accounts in online banking or the app.
Two ways to manage your finances like a pro
Classic Checking1
- Fewer fees than many other checking accounts
- Pay bills, make deposits and transfer funds
- Mastercard® Debit Card with security features, tap-to-pay and chip technology
Already a member? Open new accounts in online banking or the app.
Checking Plus2
- Includes all of the features in Classic Checking
- Earn up to .25% APY**, based on your balance
Already a member? Open new accounts in online banking or the app.
Overdraft protection when you need it.
- Overdraft coverage on certain debit card transactions
- Make pre-authorized transfers from your savings account to your checking account
- Helps you avoid bounced checks and banking penalties
- If you’re approved for a line of credit overdraft protection, your credit limit can be utilized to cover overdrafts
Book an appointment to open a line of credit to cover overdraft charges
Convenient banking features in one highly rated mobile app3
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 bank4.
Digital investing5
Automated or self-directed investment options with an opening deposit as low as $100.
Credit score
Get your complimentary credit score and monitoring alerts.
Read why Kinecta members love this app.
Ready for Checking Done Different?
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.
**Annual Percentage Yield (APY) is accurate as of 12/01/23 and may change without notice until the account is opened.
†ATM fees No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owner/operators may assess a fee.
Mastercard, Priceless and the Mastercard brand mark are registered trademarks.
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, or 3) during the first three months of a new account.
3Mobile banking. Message and data rates may apply.
4All Zelle® trademarks used herein, are the exclusive property of Early Warning Services, LLC and are used with permission.
5Automated Investing. Kinecta Financial Insurance Services (“Promoter”) is considered a third-party promoter for IQvestment, LLC (“IQvestment”) and is not a current client or investor of IQvestment. The Promoter has a fee arrangement with IQvestment which is described in more detail here. We are confident in the exceptional quality of IQvestment's advisory services. Besides our standard compensation, there are no other material conflicts of interest to consider.
Self-Directed Investing. Kinecta Financial & Insurance Services, LLC (“Promoter”) is a third-party promoter for Arete Wealth Management, LLC (“Arete”). Arete is a broker-dealer registered with the United States Securities Exchange and is a member of the Financial Industry Regulatory Authority. The Promoter is not a client or investor of Arete. The Promoter has a fee arrangement with Arete which is described in more detail here. Besides our standard compensation, there are no other material conflicts of interest to consider.
Securities offered through Kinecta Financial Insurance Services are:
Not Insured by NCUA or Any Other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
May Lose Value
All third-party trademarks referenced herein are the property of their respective owners.