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