Frequently Asked Questions

Member Number: This number is given to all members who establish a membership with Kinecta Federal Credit Union. Under the member number, you can open other products such as additional savings accounts, checking accounts, share certificates, IRAs, loans, etc.
14-digit account number (also known as the MICR Number): This is a set of numbers that identifies a specific account type to debit or credit. For Direct Deposit and/or automatic payments, please provide the merchant with the 14-digit account number for the specific account you are setting up and ensure all numbers are used.

Your member number is given to all members who establish a membership with Kinecta. Under the member number, you can open other products such as additional savings accounts, checking accounts, share certificates, IRAs, loans, etc. 

To find your member number, follow these steps:

1. Log in to online banking or open the app
2. Go to the Accounts tab and select eDocuments
3. Click on an Account Statement and a PDF will open
4. Your Member Number appears in the top right corner

Your account number (also known as the MICR Number) is a set of numbers that identifies a specific account type to debit or credit. For Direct Deposit and/or automatic payments, please provide the merchant with the 14-digit account number for the specific account you are setting up and ensure all numbers are used. 

To find your account number or routing number, please follow these steps:

1. Log in to online banking or open the app
2. Select the specific account you would like to obtain the information or go to the Accounts tab
3. In the sub-navigation, select Account Details (or select Show Details in mobile)
4. You will find your MICR (Account Number), and Routing Number listed

You can also find your account and routing number on your Kinecta checks located here:

You can enroll online on your computer or download our mobile app. Once enrolled, your login will be the same regardless of what device you use. ­

To start online, simply go to kinecta.org, click the Log In drop-down and select Enroll in Online Banking. Then, follow the steps to complete your enrollment. 

To start in the mobile app, search “Kinecta” in the App Store® or Google Play®. Once downloaded, open the app and select Enroll in Online Banking to follow the steps to complete your enrollment.

Your password must meet the following requirements:

• Minimum 8 characters
• Must contain a number
• Must contain a lowercase letter
• Must contain an upper-case letter
• Must contain a special character. Allowable special characters are _~@#$%^&*+=`|{}:;!.?

To maintain the security of your Kinecta account, please do not set your browser to pre-fill your username or password.

To ensure optimal experience, performance and support, Kinecta's online and mobile banking system requires updated versions of the browsers listed here.

Federal regulations and Kinecta security standards are in place to provide protection for your account from hackers. Using a strong password with a variety of characters ensures that your password is not easy to guess and provides protection against criminal password generators. Other factors to consider when setting your password are as follows:

• Do not use common information that pertains to you, such as birth date, kids’ names, etc.
• Special characters such as !, &, and $, help strengthen your password.
• Never use a Social Security Number or any State Identification Number as your username or password. 

For further information on fraud prevention, visit Kinecta’s Security Center.

If you don’t remember your password or username, simply click Forgot Password or Username on the login screen online or in the app. 

You can also contact us by sending us a chat from kinecta.org or calling our Member Contact Center at 800.854.9846 within the US or 310.643.5400 for international.  

Yes. You can change your username or password under Settings. 

If you forget your username or password, you can also click Forgot Password or Username on the login screen online or in the app. 

Yes. You can contact us by sending us a chat from kinecta.org or calling our Member Contact Center at 800.854.9846 within the US or 310.643.5400 for international.

Kinecta uses a sophisticated two-factor or multi-factor authentication process to confirm your identity and help protect your account (and data) from hackers. You may receive a phone call or a text message or use an authenticator app with an access code. Once you receive your access code, simply enter it into the space provided. Never share this code with anyone, even if they claim to be with Kinecta. 

To set up or update your multifactor settings, click on Tools and then Settings, and Security. Select the Two-Factor Authentication section and use the pencil icon to enroll or edit your settings.

To change your contact information, click on Settings under Tools and then select the Contact section. Use the pencil icon next to any of the contact items to edit. 

Yes. Joint owners can enroll and use online or the mobile app. 

No, you should see all the accounts you have ownership of under one login. 

Yes. You can download the app to your tablet or iPad.

Not at this time. We are exploring offering digital banking in Spanish in the future.

We have a library of Digital Banking Tutorials you can access to learn more about using Kinecta’s tools.

From your Dashboard or Accounts view, select the account you wish to search under. Use the Search box to type in specific keywords in the Description and click enter. The search box is available on mobile by clicking the magnifying glass icon on the top right corner. 

You can also locate transactions by filtering. On a desktop, click on the filter icon next to the Search box to filter by Date, Transaction Amount/Range, Credit or Debit, Type, Category or Check Number/Range. After making your selection, click Search. On mobile, you can select from the filter buttons listed below the Search box.

On a desktop, you can also sort transactions by Date, Description, Amount and Balance. Simply click the Sort By drop-down menu to make your selection.

To obtain a copy of your Kinecta Credit Card Agreement, please contact us by sending us a chat from kinecta.org or calling our Member Contact Center at 800.854.9846 within the US or 310.643.5400 for international. Or send us a secure message.

From the Transfers section, under Transfer & Pay, you can elect to transfer money between your accounts or to an external account at another financial institution (as long as you are the primary owner or an authorized signer). Simply select the account you want to transfer to and from using the drop-down menus. You can select Add An Account to add a new external account.

From the Transfers section, under Transfer & Pay, you can elect to transfer money to another Kinecta member. Simply select the account you want to transfer to and from using the drop-down menus. You can select Add An Account to add a new Kinecta member.

If you are having trouble setting up a Cross Account to another member’s account, contact us by sending us a chat from kinecta.org or calling our Member Contact Center at 800.854.9846 within the US or 310.643.5400 for international. Or send us a secure message.

1. Log in to the Kinecta mobile banking app
2. Under More, select Zelle^®
3. Enroll your email address or U.S. mobile number
4. You’re ready to start sending and receiving money with Zelle^®

Learn more about Zelle^®, including FAQs.

We have several ways you can fund new accounts you've opened online, depending on the account type, funding limits and your preference.

If you are opening additional accounts within online or mobile banking, you can use the Kinecta Account Funding option. Please note the following:

• You will be prompted to enter a one-time code to access your accounts for funding.
• Any account type can be funded with this service, including savings, checking, all certificates, and money market accounts.
• Eligible accounts that can be used to fund new accounts include checking, savings, high yield savings, and money market accounts. Certificates and IRAs are not eligible to fund new accounts.
• Only accounts that you are the primary member on will appear as eligible.
• Only accounts that have the balance to fund the minimum opening requirement of all new accounts will appear as eligible. For example, if you are funding a certificate with a $100 minimum opening balance, then any account with less than $100 will not appear as eligible.
• Using this method requires you to fund all new accounts with a minimum opening balance requirement and you must fund all accounts using the same funding account.
• There is a $250,000 limit on funding amount.

If you choose to use our third-party service to fund your account(s) after opening, please note the following:

• Any account type can be funded with this service, including savings, checking, all certificates, and money market accounts.
• This service uses a secure connection, which requires you to log into your financial institution. 
• Members can fund up to three accounts at a time using this service, but they must fund all accounts using the same method (ACH or debit/credit card).
• ACH funding is limited to $100,000.
• Debit and credit card funding is limited to $500.
• Funding with Kinecta credit cards through this service is not available.

If you prefer to fund your account(s) using Kinecta's online or mobile banking, please note the following:

• There are two ways to transfer funds to your new account(s) in online or mobile banking: transfer between Kinecta accounts or external transfer from another financial institution (ACH).
• Transfers between Kinecta accounts are immediate, and there is no limit on the amount.
• External transfers may take 2-3 business days to process, and setting up external accounts may require validating trial deposits. Incoming transfer limits are as follows:
  1. Daily: $20,100
  2. Weekly: $40,200
  3. Monthly: $40,200
• Promotional, regular and jumbo certificates cannot be funded in online or mobile banking. Liquid certificates can be funded.

If you need assistance funding your accounts, you can also call us, send us a secure message in online or mobile banking, use live chat or visit a branch.

Yes, you can. See below for additional information:

First Mortgage

Online payments to your Kinecta first mortgage account from an internal Kinecta account will be processed on the same day*; however, if the payment is received before 1 p.m. (PT), it will display in online banking in one business day. If the payment is made after 1:01 p.m. (PT), it will display in online banking in two business days. There is a 15-day grace period before a late fee is assessed.

If you would like to speak to a representative regarding your Mortgage Loan account (including payoff information), please call the Loan Servicing Department at 877.896.8525. Representatives are available Monday through Friday, 8 a.m. to 5 p.m. PT (11 a.m. to 8 p.m. ET).

*If a partial payment is made, it will be held in a holding account until a full payment is received.

Second Mortgage (HELOC) 

Online payments to your second mortgage will be applied to the account immediately or on the selected date of the transfer if the payment is made from a Kinecta account. Payments made from external accounts typically take 2–3 business days. 

Payments received and/or posted by Kinecta within one day of a statement date and not reflected on that statement will appear on your next statement. 
   
If you would like to speak to a representative regarding your Second Mortgage account, please call our Member Contact Center at 800.854.9846 within the US or 310.643.5400 for international.

To pay off your second mortgage (HELOC) account, contact Loan Services at 800.854.4501, option 3, option 2 for further instructions. Representatives are available to help Monday through Friday, 8 a.m. to 5 p.m. PT (11 a.m. – 8 p.m. ET).

Consumer Loan

Online payments and payoffs to your consumer loan (e.g., vehicle loan, personal loan, etc.) will be applied to the account immediately or on the selected transfer date.

If you would like to speak to a representative regarding your Consumer Loan account, please call Loan Services at 800.854.4501, option 3, option 2. Representatives are available to help Monday through Friday, 8 a.m. to 5 p.m. PT (11 a.m. – 8 p.m. ET).

Credit Card

For online payments made after 3 p.m. (PT), the payment will be displayed on the credit card account on the following business day. 

If you have questions about your credit card account, please call 877.881.6023 within the US or 310.643.2106 internationally. Representatives are available 24/7.

eDocuments are available online for the primary owner. The current eDocuments we offer are:

• Account Statements
• Credit Card Statements
• Loan Statements
  • All consumer loans (excluding first mortgages)
  • First Mortgage statements are located in the Mortgage Portal by selecting Mortgage under Accounts in the main navigation

• Notices

• Tax Documents
  • 1099 - IRA Withdrawals
  • 5498 - IRA Contributions
  • 1099INT - Interest Income
  • 1042S - Foreign Person's US Source Income Subject to Withholding
  • 1098 - Mortgage Interest Statement (Please Note: This is only available in the Mortgage Portal by selecting Mortgage under Accounts in the main navigation)

Account, Loan and Credit Card Statements will be available for up to three years. Notices will be available for the last three months. Tax Documents will be available for the two most recent tax years.

You may request previous Statements and Tax Documents by contacting Member Support via a secure message through online banking, calling the Member Contact Center at 800.854.9846 or visiting your local Kinecta branch.

To enroll in eDocuments, a current email address is required. To add or update an email address to your account, please follow these steps:

1. Log in to online banking or open the app
2. Click on Tools (under More in mobile), and select Settings
3. Under the Contact section, click on the pencil next to Email
4. Enter the email address
5. Click Save Changes

Please follow these steps:

1. Log in to online banking or open the app
2. Click on Accounts (under More in mobile), and select eDocuments
3. Under Subscription Settings, click the drop-down to select the gear icon
4. Select your delivery preference
5. Click Continue
6. Complete the steps to agree to the eDocuments Disclosure and view PDFs
7. Click Save

You are now enrolled in eDocuments.

To go paperless for your first mortgage account:

1. Log in to online banking or open the app
2. On your Account Dashboard, locate and select your mortgage loan
3. Select the box for Go Paperless Today and Enroll Today
4. Turn the Paperless Billing option on and click Update
5. Review the eStatement Policy, check the box to Agree, and select Accept Terms

You can take the same steps to cancel paperless statements.

To view your eDocuments from previous months:

1. Log in to online banking or open the app

1. Click on Accounts (under More in mobile), and select eDocuments 
2. Select from the Statements, Notices or Tax Documents tabs

4. Click the name of the document you would like to view

To view your statements online, the browser’s pop-up blockers must be turned off.

If you choose to revert back to paper documents, you can do so using the same instructions. A $2 fee may apply for paper Account Statements. 

To view and/or print cleared checks, please follow the steps below: 

1. Log in to online banking or open the app
2. Select the checking account on your Dashboard to view transactions
3. Under Additional Filter options select Checks under the Show Only dropdown
4. Under Check Number you may select the specific check numbers you would like to view and/or print; or leave blank for a list of all check numbers
5. Click Submit
6. Double-click on the check icon to view the image
7. To print the check image, click on the printer icon. Please note, to view check copies online, the pop-up blockers must be turned off. Please visit your browser settings to ensure the pop-up blockers are not enabled.

You can also call our Member Contact Center at 800.854.9846 within the US or 310.643.5400 for international.

Checks converted to an electronic payment are not available. If you require proof of payment, you can print a copy of your statement (available online for free) or you can print a copy of your transaction history screen.

To go paperless for your first mortgage account:

1. Log in to online banking or open the app
2. On your Account Dashboard, locate and select your mortgage loan
3. Select the box for Go Paperless Today and Enroll Today
4. Turn the Paperless Billing option on and click Update
5. Review the eStatement Policy, check the box to Agree, and select Accept Terms

You can take the same steps to cancel paperless statements.

Yes. You have many options for receiving email and text alerts, including when your mortgage statement is available. To set up or modify alerts:

1. Log in to online banking or open the app
2. On your Account Dashboard, locate and select your mortgage loan
3. Click the Mortgage Portal tab
4. Select Profile located at the right corner of the screen 
5. Select Communications and select the pencil to make your selection or modify your preferred alerts.

To see more detailed information:

1. Log in to online banking or open the app
2. On your Account Dashboard, locate and select your mortgage loan
3. Under View Transactions and Account Details you can find most information about your mortgage loan
4. You can also click the Mortgage Portal tab to view Payments, Mortgage, Documents, Calculators and Help

Beyond using online banking or Kinecta’s mobile app, you can also access your accounts using over 5,800 shared branches or over 85,000 fee-free* ATMs nationwide. 

You can easily locate a shared branch or ATM by selecting Locations from the top right corner of online banking or from the main menu in mobile banking. Locations are also available on our website. To narrow down your results, enter your zip code or city and state and mark the appropriate boxes under Search Options. 

*ATM fees. No surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owners/operators may assess a fee.

The virtual branch lets you connect with a live Kinecta team member from home or on the go.^* You’ll receive personalized support from real Kinecta employees without visiting a branch.

Our virtual branch business hours and link to instantly connect is available on our Contact Us page. 

Appointments are recommended for services like opening accounts, applying for loans or requesting wire transfers. Some assistance may be available without an appointment, depending on availability.

You can complete many everyday banking needs, including:

• Opening checking, savings and certificate accounts
• Applying for personal or business membership
• Applying for personal loans, auto loans or credit cards
• Making account updates and maintenance
• Initiating domestic and international wire transfers
• Getting cashier’s checks and check orders
• Adding joint owners or beneficiaries
• Getting trust, estate and Power of Attorney support
• Getting assistance with online or mobile banking 

Yes. All virtual branch representatives are Kinecta employees, providing the same trusted service you’d receive in a branch.

Yes. Kinecta uses secure systems and identity verification to protect your information, just like we do in branch.

Yes, cash deposits can be made at Interactive Teller Machines (ITMs), where you can connect with a virtual banker in real time.

An ITM allows you to complete select teller transactions while video chatting with Kinecta virtual banker, offering extended access to services without waiting in line.

1. Schedule your virtual appointment online
2. Join with your computer, tablet, or mobile device.
   Note: the service works best on Chrome or Microsoft Edge browsers
3. Connect with a live Kinecta team member!

To register, both the parent/legal guardian and child need to be enrolled in online or mobile banking. The parent/legal guardian first registers the child in Youth Banking, located under Accounts. The child will then be invited to start using MyCash.

Alternatively, parents/legal guardians can use MyCash features on their child’s behalf within the parent’s/legal guardian’s online or mobile banking.

Note that both the parent/legal guardian and the child must be members, and the parent/legal guardian must be a joint owner on the child’s account in order to use Youth Banking features.

MyCash is designed to be a shared experience between parent/legal guardian and child. If parents/legal guardians want their child to access Youth Banking features independently, children will need their own log in credentials to Kinecta’s online and mobile banking. 

Parents/legal guardians can also manage their child’s activity on their behalf within the parent’s/legal guardian’s online or mobile banking.

No. Parents/legal guardians need to use the child’s legal name in order to register them for MyCash. If a nickname is used, the child will receive an error message and will not be able to access MyCash. 

If the child was already added with their nickname, parents/legal guardians can remove their profile and re-register with their legal name. To do this, from within the child’s profile, select the three dots on the top right and choose Remove Child Profile. 

Both the parent/legal guardian and the child must be members with their own Regular Share savings Account, and the parent/legal guardian must be a joint owner on the child’s savings and checking account. 

Parents can use any of the following accounts with MyCash Youth Banking:

• Savings
• Checking
• High Yield Savings
• Money Market
• Certificates (Liquid or College Saver)

Children must have the following accounts to use MyCash Youth Banking:

• Any savings or checking accounts

Multiple parents/legal guardians may register to use MyCash Youth Banking, but both must select the same child account for the child’s profile when registering to avoid issues. 

Yes, as long as the individual is a joint owner on the child’s account, they can register and use MyCash Youth Banking.

No. The child will automatically graduate to a Kinecta General membership and will no longer be registered for MyCash Youth Banking or have access to their activity history.

For the parent/legal guardian, within Settings or the gear icon, select Change Associated Parent Account to make a change to the linked account.

For the child, within the child’s profile, select Change Linked Child Account to make a change.

Transactions post directly to associated accounts and indicate the child’s name and use MyCash within the label.

Select Send Money from the main screen or select the gear icon and Transfer Money. Additionally, approving the child’s requests for money or completed tasks triggers transfers.

Parents/legal guardians can transfer funds back from the child’s account using their own transfer options within online or mobile banking outside of Youth Banking.

For any transfer within Youth Banking, if the parent’s/legal guardian’s account lacks funds, the transfer will fail with an error message to the parent. 

The parent/legal guardian can change the linked account to one that has sufficient funds to complete transfers.

From within the child’s profile, select the three dots on the top right and choose Remove Child Profile. The child’s associated accounts and online and mobile banking credentials remain active, but the child will no longer have access to MyCash Youth Banking features.

From the main screen, select the gear icon and Disclosure Opt Out/Unregister. This deletes MyCash data, including tasks, loans or requests, but the associated accounts and online and mobile banking credentials remain active. 

From the Earn tab in the child’s profile, select Request Money, enter the details and then submit.

Note that children can only have one money request and one loan request at the same time.

Money requests will appear on the main screen for the parent/legal guardian to review. Or, within the child’s profile under the Earn tab, it will appear as Money Request Outstanding. Parents can approve or deny money requests.

Money requests are one-time requests for funds with no repayment required. 

Loans are requests to borrow money, usually for larger purchases, and require repayment with interest set by the parent. 

Loans are agreement between the parent/legal guardian and child (not between Kinecta) and are meant to teach children how repayment and interest works. Parents/legal guardians set the terms and interest and have the option to give the interest back to the child at the end of the loan repayment period.

From the Earn tab in the child’s profile, select Request Money, enter the details, and select the toggle for Borrow and enter payment details before submitting.

Yes, the parent/legal guardian can modify the interest rate for future loans from within the child’s profile, by selecting the three dots on the top right and choosing Loan Interest Rate.

No. Once approved and funded, the loan must be repaid by the child.

No. Only one loan may be active at a time.

Parents/legal guardians can transfer funds from the child’s account or make payments manually from their profile.

Interest is deposited into the approving parent’s/legal guardian’s account. Parents/legal guardians have the option to return the interest to the child at the end of the repayment period.

From the Earn tab in the child’s profile, select Tasks to assign a task. Choose a preset or create a custom task, enter the details, and submit. 

Children see assigned tasks in their Earn tab and can mark them complete, with the option to upload photo proof

Once the child completes a task, it will appear on the main screen for the parent/legal guardian to review. Or, within the child’s profile under the Earn tab, it will appear as Under Review. Parents/legal guardians can approve, deny or request more work to complete the task.

From the task menu under the Earn tab, select the outstanding task and select the three dots on the top right and either select Edit Task or Delete Task.

From the Save tab in the child’s profile, select to create a New Budget. Enter the deposits, expenses, savings and giving amounts. Monthly and daily spending are calculated automatically.

From the Save tab in the child’s profile, select New Goal. Enter the description and cost of the goal. It will appear in the Save tab moving forward for the child to add funds toward the goal.

In the Save tab in the child’s profile, the savings goal will show progress, and the goal can be updated or have funds added to it by selecting Add Funds.

From the Earn tab, the child can select Report Card to upload a photo and their grades.

Once the child uploads a report card, it will appear on the main screen for the parent/legal guardian to review. Or, within the child’s profile under the Earn tab, it will appear as Report Card Request Outstanding. Parents/legal guardians can adjust payment, approve or deny the request.

From the Earn tab in the child’s profile, select the toggle for Allowance and enter the details to set the child’s allowance.

Parents/legal guardians can select the allowance amount under the child’s avatar on the main screen to update or disable allowance.

This can also be adjusted from the child’s profile under the Earn tab. To turn off allowances, simply toggle the Allowance off. This disables all future transfers for the child until it is toggled back on. To update the allowance amount or frequency, select the allowance amount under the child’s avatar.

Trophies are available for the following actions:

• Make 5 loan payments on time
• Pay off a loan
• Reach a savings goal
• Complete a monthly budget
• Finish 5 tasks
• Watch educational videos

From the Save tab under the child’s profile, select Achievements to view progress on trophies, what trophies have been earned, and the leaderboard.

Kinecta complies with COPPA (Children’s Online Privacy Protection Act). Personal information is collected, stored and used only with verifiable parental/legal guardian consent.

From the Earn tab, select Request Money, enter the details and then submit.

Yes. Parents/legal guardians can set recurring allowance transfers.

From the Earn tab, select Request Money, enter the details, and select the toggle for Borrow and enter payment details before submitting.

No. Only one loan can be open at a time.

From the Earn tab, select Tasks to assign a task. Choose a preset or create a custom task, enter the details, and submit.

Tasks appear in the Earn tab. Select the task, to mark it as complete, with the option to upload photo proof.

Fix the task and then resubmit for approval.

From your profile, select the three dots on the top right and Change Avatar to pick a new avatar or upload a photo.

From the Save tab, select Change Budget. Enter the deposits, expenses, savings and giving amounts. Monthly and daily spending are calculated automatically. 

From the Earn tab, select Report Card to upload a photo and your grades.

Trophies are available for the following actions:

• Make 5 loan payments on time
• Pay off a loan
• Reach a savings goal
• Complete a monthly budget
• Finish 5 tasks
• Watch educational videos

From the Save tab, select Achievements to view progress on trophies, what trophies have been earned, and the leaderboard.

The transition will begin on Thursday, December 18, 2025. You will have until Monday, December 29, 2025 to open your new account and initiate your transfer.

1. Log in to Kinecta’s online banking and select Digital Investing under the Investments menu. The application will be pre-filled with your existing account information. By submitting this application, your new brokerage account is established with Green Pier Fintech LLC.
2. Electronically sign the Transfer of Assets form via DocuSign from Green Pier Fintech LLC from the email associated with your account. Your cash and positions will transfer from Arete to Green Pier Fintech LLC. This transfer takes approximately one week. You will not be able to transact or trade in your Arete account. Note: To process the transfer of assets, the delivering firm requires any fractional shares in your account be liquidated by you before submitting the transfer form.

Yes, you will need to relink your bank account. This can be done once you have established your new Green Pier brokerage account.

All active accounts will be displayed on your dashboard and in My Accounts under Profile & Settings. Once an account has been closed, it will only display in the My Accounts under Profile & Settings.

All tax documents will be accessible through the Communications page while viewing your brokerage account online.

If you have questions during this process, please email Green Pier at service@greenpier.com or call 833.486.1816. Please note this contact information for future use.

Visit digitalinvesting.kinecta.org. For additional support, email Green Pier at service@greenpier.com or call 833.486.1816.

No, only the self-directed accounts are transitioning during this time. We will be moving the digitally advised account at a later date.

No, it will not cost you anything to transition.

f you choose not to open an account with Green Pier Fintech LLC, your existing self-directed digital investment account with Arete Wealth Management, LLC will be liquidated and closed.

You will have until Monday, December 29, 2025, to open your account and initiate your transfer.