Mobile Banking


The Kinecta Direct Mobile Application is available for iOS and Android devices. The application is compatible with iPhone and iPad devices running iOS version 5.0 and above, and Android version 3.0 and above. For Windows and Blackberry devices, our Online Banking site is available by going to on your device’s browser.

Kinecta Direct Mobile Banking currently supports the following:

  • View account balances and account history (including pending Debit Card transactions)
  • View and make Bill Payments
  • Transfer funds between accounts
  • Transfer funds to other Kinecta member accounts
  • Make loan payments
  • View Savings and Spending charts and graphs
  • Find Kinecta MSC, ATM, COOP ATM and Shared branch Locations
  • Text banking (SMS)
  • View first mortgage balance and credit card balance and activity
  • Mobile deposit
  • View Quick Balances from sign on page
  • View eDocuments (Account eStatements, Loan eStatements, Tax Documents, Notices, Credit Card eStatements)
  • Add Credit Card eStatements to “View eDocuments"
Once you are logged into the App, please select the menu icon and then “Settings”
  • The menu icon is located on the top left corner of the page
Tap Quick Balance to turn the feature off or on
  • Once activated, you may select which accounts you would like to view by checking the box next to the desired account, or by clicking on the account
  • Once enabled, by tapping on “Quick Balance” from the sign on page, your preferred balances are retrieved from our secure servers and delivered to the App.
  • Quick Balance only works for the one account it is set-up, at this time, multiple accounts cannot be set-up.
You would use the same login and password that you use for Kinecta Direct Online Banking. If you are not enrolled, please visit and click the Enroll link under the login box.
  • When you first log in to Kinecta Direct Mobile Banking, you are issued a one-time PIN number to the email address on file. The one-time PIN expires within 24 hours of issuance. Please ensure you use the one-time PIN before it expires 
  • After retrieving the 4 digit PIN, go back to our App where you will be asked to type it in
  • If your PIN has expired, you may enter a random set of 4 digits, and a new PIN will be sent to your email
  • If the current PIN is still within the 24 hour period activation period, and you enter a random set of 4 digits, a message will display that you have an outstanding PIN
  • If you are continuing to have issues, please contact our Member Contact Center at 800.854.9846
Kinecta Direct Mobile Banking employs robust security features to ensure your account is safe at all times, even in the event of a lost cell phone. By closing out the application after being left idle, we are able to reduce the risk of possible account mismanagement or theft due to a lost phone .
Contact your mobile service provider immediately if your phone has been stolen or is missing. Please be sure to also contact our Member Contact Center at 800.854.9846, or send a secure online message, and they will deactivate that device from Mobile access*.

*This service is available during business hours

Yes. You can pay bills using Kinecta Direct Bill Pay. Once you set up your payees in Kinecta Direct Online Banking, you can view and make payments to those payees in Kinecta Direct Mobile Banking.
You can transfer to another Kinecta member by first logging into Kinecta Direct Online Banking, clicking Transfers, and then click Cross Account Transfers. You can then follow the prompts in order to set up a link to another member’s share account. Once the account has been successfully linked, you may use the App to transfer funds from your account to the other membership.
The Blackberry Application can be downloaded by visiting on your Blackberry and clicking the Download link. The mobile page is aware of the device you are browsing with and will direct you to the proper application download.
If we do not have an App available for your target device please send us a secure message and let us know. We are constantly adding new device support and will review the feasibility of supporting your device. Additionally, you can access the full site at

Our Mobile Banking platform utilizes the same robust security measures that are available in Kinecta Direct Online Banking. However, it is important to do your part as well. Keeping your log in information secure and unique to you, will also help protect your data online.

Fingerprint authentication is also available with the requisite smartphone compatibility.

Will my Credit Card and Mortgage accounts be available?
Yes, Credit Card activity and Mortgage balance, payment due date and amount, are available in Mobile Banking. You can also use the Transfer feature to make payments to these accounts from a Kinecta share account. Please note, payments made to a Credit Card or Mortgage account will not display until the next business day.

It is a biometric security interface that allows members to authenticate their login by using their unique fingerprint instead of your user ID and password.
  • Fingerprint authentication can be used by first going to the settings on your device and enabling fingerprint capture.
  • By enabling fingerprint authentication to login, you are allowing any stored fingerprints on your mobile device to access your account. To ensure your account remains secure, please review all stored fingerprints on your device and remove any that are unauthorized to access your account.
  • Kinecta does not store or have access to your fingerprint information.
  • Issues with fingerprint recognition and setup, are device-sensitive. Please contact your mobile provider or device manufacturer for any additional information and assistance.