CHECKING ACCOUNTS
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Select Accept

Arm yourself with overdraft options.

The best advice for managing your checking account is making sure your balance is sufficient to cover your transactions. However, it never hurts to have a back-up plan, just in case.

Select Accept – Overdraft Coverage

At Kinecta, we will strive to authorize everyday debit card transactions when insufficient funds exist in our members’ accounts, as long as we have your permission to do so.

What are your options?

Kinecta wants to ensure that you have all of the information you need to choose the option that is right for you.

Select Accept - Yes

If you decide to Opt-In:

  • You DO want us to try to cover your everyday debit card transactions regardless of the funds that exist in your account.
  • You are willing to incur the fees* that we’ve outlined for this service. You’ll only incur the fees if we actually cover the overdraft for you. There’s no fee to opt-in to the protection.
  • If we cover your overdraft, you will be saved the frustration and embarrassment of having your card declined.
Select Accept - No

If you decide not to Opt-In:

  • You do NOT want us to cover your everyday debit card transactions when there are insufficient funds in your account.
  • You will not be charged any overdraft fees for everyday debit card transactions.
  • Your transaction will be declined if insufficient funds exist.

Enrolling is easy!

  • Phone – Call 800.854.9846 to speak to a Member Service Representative.
  • Online – Log in to Kinecta Direct Online Banking and then click on “Select Accept”.
  • Mail – Complete the enrollment form and mail it to Kinecta. Click here to download and print.
  • In Person – Visit your local Kinecta Member Service Center.

To learn about all of Kinecta's Overdraft Protection Solutions click here.


* Select Accept covers everyday debit card transactions. There is a fee of $30 each time we pay an overdraft with a limit of 3 fees per day, per account. We will not charge you the $30 fee if you overdraw your account within $5. You must promptly pay the amount of any overdraft along with any fees that apply within 30 days. Otherwise, your account may become restricted. We typically do not pay overdrafts if your account is not in good standing or your account is excessively overdrawn. Recurring debit card transactions (such as a gym membership) may continue to be authorized at our discretion even if you do not sign up for Select Accept. We reserve the right to refuse to pay an overdraft at our discretion. 

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