Early Payday
Set up direct deposit with your employer and get paid up to 2 days early*!
Get a $225 checking bonus.
Open a new personal checking account and complete eligibility requirements.1
Kinecta members: book an appointment to open account
Earning a $225 cash bonus is easy.
1. Open
Open a new Kinecta checking account and receive direct deposit(s) totaling $500 or more within 60 days of account opening.
2. Deposit
Maintain a $5,000 average daily balance for the first 90 days of account opening.
3. Transact
Complete 12 debit card transactions per 30 days for the first 90 days of account opening.
Your $225 bonus will be deposited into your checking account within 30 days of meeting the requirements above.
Open a checking account that checks all your boxes.
Learn what banking done different means with a checking account that covers all your needs. Kinecta makes it easy to access your money, pay bills and deposit funds.
No-fee ATMs Nationwide
Access over 85,000+ fee-free ATMs†, which are often located in popular locations such as Target, Walgreens, CVS, 7-Eleven, Costco and many more.
24/7 Mobile Banking at Your Fingertips
Utilize Zelle®, mobile deposits and other convenient features with our highly rated Kinecta mobile app.
Kinecta members: book an appointment open additional accounts
Two ways to manage your finances like a pro
Classic Checking2
- Fewer fees than many other checking accounts
- Pay bills, make deposits and transfer funds
- Mastercard® Debit Card with security features, tap-to-pay and chip technology
Kinecta members: book an appointment open additional accounts
Checking Plus3
- Includes all of the features in Classic Checking
- Earn up to .25% APY**, based on your balance
Kinecta members: book an appointment open additional accounts
Overdraft protection when you need it.
- Overdraft coverage on certain debit card transactions
- Make pre-authorized transfers from your savings account to your checking account
- Helps you avoid bounced checks and banking penalties
- If you’re approved for a line of credit overdraft protection, your credit limit can be utilized to cover overdrafts
Book an appointment to open a line of credit to cover overdraft charges
Convenient banking features in one highly rated mobile app4
Mobile deposits
There’s no need to visit a branch or ATM to make a deposit — simply take a picture on the app.
Account balances and transactions
Stay in control of your finances with quick account access and recent transaction history.
Live support
Access live chat, send a secure message or schedule an appointment.
Zelle® network member
A fast, safe and easy way to send money to friends, family and other people you trust, wherever they bank5.
Digital investing6
Automated or self-directed investment options with an opening deposit as low as $100.
Credit score
Get your complimentary credit score and monitoring alerts.
Read why Kinecta members love this app.
Ready for Checking Done Different?
Insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency
Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
*Early access to direct deposit payroll funds is dependent on timing of the submission of the payment file from the payer. When received, Kinecta makes these funds available on the day the payment file is received, which may be up to 2 days earlier than the effective payroll payment date.
**Annual Percentage Yield (APY) is accurate as of 12/01/23 and may change without notice until the account is opened.
†ATM fees No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owner/operators may assess a fee.
Mastercard, Priceless and the Mastercard brand mark are registered trademarks.
1$225 Checking Cash Bonus Offer. Membership requirements apply. Rates are variable and subject to change after account opening. Fees may reduce earnings. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. Limited time offer subject to change without notice.
Earn a $225 bonus by (1) opening a new personal checking account; (2) receiving direct deposit(s) totaling $500 or more in the new checking account within 60 days of account opening; (3) maintaining a $5,000 average daily balance in checking for the first 90 days of account opening; (4) completing 12 debit card transactions per 30 days for the first 90 days of account opening. Qualified transactions do not include adjustments, unauthorized or fraudulent charges, and fees of and fees of any kind. Offer not valid for members with an existing checking account or a Kinecta checking account closed within 90 days of new checking account opening. Your bonus will be paid within 30 days of meeting all qualifications described above. Account must be in good standing to receive bonus. One bonus per member. Cannot be combined with other offers. Limited time offer subject to change without notice.
Bonus may be subject to IRS tax reporting. Member may receive a 1099 Form from Kinecta for the bonus. Member is solely responsible for the payment of any applicable taxes. Please consult your tax professional.
2Classic Checking. Fee waived in any month with 1) aggregate direct deposit or mobile check deposit in the amount of $250.00 per month. 2) $1,500 average monthly balance, or 3) 10 or more debit card purchases per month posted to account, or 4) an active Kinecta credit card in good standing, or 5) an auto or mortgage loan in good standing, or 6) the primary owner is either age 26 or under, or is age 62 and over, or 7) active duty military, or 8) during the first three months of a new account.
3Checking Plus. No monthly service fee in any month if either of the following conditions are met: 1) $2,500 average monthly balance; or 2) direct deposits totaling $500.00 or more, or 3) during the first three months of a new account.
4Mobile banking. Message and data rates may apply.
5All Zelle® trademarks used herein, are the exclusive property of Early Warning Services, LLC and are used with permission.
6Automated Investing. Kinecta Financial Insurance Services (“Promoter”) is considered a third-party promoter for IQvestment, LLC (“IQvestment”) and is not a current client or investor of IQvestment. The Promoter has a fee arrangement with IQvestment which is described in more detail here. We are confident in the exceptional quality of IQvestment's advisory services. Besides our standard compensation, there are no other material conflicts of interest to consider.
Self-Directed Investing. Kinecta Financial & Insurance Services, LLC (“Promoter”) is a third-party promoter for Arete Wealth Management, LLC (“Arete”). Arete is a broker-dealer registered with the United States Securities Exchange and is a member of the Financial Industry Regulatory Authority. The Promoter is not a client or investor of Arete. The Promoter has a fee arrangement with Arete which is described in more detail here. Besides our standard compensation, there are no other material conflicts of interest to consider.
Securities offered through Kinecta Financial Insurance Services are:
Not Insured by NCUA or Any Other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
May Lose Value
All third-party trademarks referenced herein are the property of their respective owners.