Kinecta Federal Credit Union
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Checking Accounts
Checking Accounts
Details Compare Rates Open Yours    

Your checking account should be earning some dividends – or at the very least, it shouldn’t charge you for spending your money!

Get more with
Kinecta Checking!

Kinecta MasterCard CheckCard
- Earn myKinectaRewards points.
- Redeem points for cool gifts.

   Click here to learn more!

Transferring from another institution? Click here to view our Checking & Savings Switch Kit.

Checking Plus

- The one that grows.
  • Tiered rate dividends
  • Free withdrawals at any ATM nationwide
  • Free Online Banking & Bill Payment
  • Fee waived with Direct Deposit2
  • Free Kinecta and CO-OP Network3 ATM transactions

Free Checking4

- The one that lets you save without charging you.
  • No minimum balance
  • Free online Bill Payment
  • Free Kinecta and CO-OP Network3 ATM transactions

Click here to view our Online Checking Account Coach

1 There may be a third-party financial institution surcharge.
2 $9.00 monthly fee waived with Direct Deposit or $1,500 minimum average monthly checking balance.
3 More than 25,000 surcharge-free ATMs nationwide.
4 Free Checking requires a subscription to eStatements, our online electronic statement service



The unlimited share/deposit insurance coverage on non-interest-bearing transaction accounts expired on December 31, 2012.

As of January 1, 2013, insurance coverage on non-interest-bearing transaction accounts has returned to the permanent level of up to $250,000. Non-interest-bearing transaction accounts are subject to the same insurance coverage levels as all other share accounts in a credit union.

The term "non-interest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividend, a negotiable order of withdrawal ("NOW") account, money-market deposit account and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account.