Frequently Asked Questions

You can manage your accounts 24/7 within Kinecta’s online banking. Click the Enroll in Online Banking link, immediately below the Login box on our kinecta.org homepage and follow the instructions provided. Please note: To use the mobile banking app you must first enroll in online banking.
 
 For security purposes, your username must be 8–26 characters in length and may be made up of both letters and numbers. Your username is not case sensitive. Your password must be 8–26 characters in length and require a combination of three of the following items:

• Uppercase characters
• Lowercase characters
• Number
• Symbols ` ! # $ % ^ & * ( ) _ + - = {  } | ; ' ? , /

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

Steps to Request Account Deletion

Please contact a representative by one of the following methods:

• Call 800.854.9846 (toll free) or 310.643.5400 (international)
• Log in to your account and send a secure message
• Send us a Chat

Data Deletion from Kinecta Digital Banking

When you request the deletion of your account, the following data will be deleted within the app and online:

• Access to your digital banking profile
• Personal Information: All personally identifiable information, such as your name, email address, and phone number
• Transaction History: All records of your financial transactions 
• App Usage Data: Any data related to your interactions and usage of the Kinecta mobile app

Please note that once deleted, your profile, including username and password, cannot be restored. Members who have had their profile deleted would need to re-enroll into the service. 

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.

Please click on the Forgot Password link located below the Login box and follow the instructions provided. 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.  

Please click on the Forgot ID link located below the Login box and follow the instructions provided. 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.  

Kinecta uses a sophisticated dual-authentication process to confirm your identity and help protect your account (and data) from hackers. You may choose to receive either a phone call or a text message through the phone number you have on file. Once you receive your access code, simply enter it into the space provided in online banking. Never share this code with anyone, even if they claim to be with Kinecta. Then you will also be asked to select your Security Questions. 

To change your contact information, please click on the Account Options tab and expand the drop-down menu. Select Change Address/Phone or Change Email to update your contact information, then click Update. 

Transaction history is accessible from the Account Dashboard page within online banking. To access this information, please follow these steps:

• From your Account Dashboard, select the specific account
• Under Transaction History, select one of the options

• Default is set at 60 days
• Select “Other” to enter a date range

• Under Additional Filter options you may further filter by:

• Type of Transaction
• Description (isolate transactions to/from a specific merchant/payee)
• Check Number
• Amount
• Click Submit

To obtain a copy of your Kinecta Credit Card Agreement, please follow the steps below:

• Log into online banking
• Click on Member Support in the navigation
• Once in the Messages page, click on Compose New to submit your request
• Select your Credit Card Account 
• In the Subject line enter “Request Credit Card Agreement XXXX (last 4 digits of credit card)”
• Place any important details regarding your credit card agreement request in the Message field.
• Press Send and your request will be processed within 5 to 7 business days.

 For immediate assistance with this type of request:

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. 

Cross Account Transfers enable you to transfer funds from your account to another Kinecta member.
 
 To set up a Cross Account, please follow these steps:

1. In online banking, click on the Transfers tab
2. Select Cross Account Setup from the navigation
3. Enter the other member’s account number and the first 3 letters of their last name (or their full last name)*
4. Click Validate
5. Select the Transfer Account Type (Share or Loan)
6. Enter the Account ID (e.g., 01, 02, 03, etc. — do not include the “S” or “L”)

Once the Cross Account has been validated, the account will show up in your Transfer To drop-down menu. For security purposes, you can only transfer to another member.
 
 *Business and Trust Accounts do not have a standard last name; therefore, you may need to use the chat option or call our Member Contact Center to determine how the name appears in our system. 

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 a secured message to us by logging into online banking, selecting the Member Support tab and clicking Compose New (top right-hand side of the page).

ACH External Transfers enable you to transfer funds between your Kinecta accounts and accounts you have at other financial institutions. Please note: You must be the primary owner or an authorized signer on those accounts.
 
 To setup transfers to/from an external financial institution, please follow these steps:

1. In online banking, click on the Transfers tab
2. Select Manage External Accounts (from the sub navigation)
3. Under the heading Add a New External Account, click the link Add an account at another financial institution that is not listed above
4. Answer the security questions
5. Follow the instructions provided

In approximately three business days, two small amounts (two credits and two debits under $1.00) will be made to your external account. To complete the setup of your external account, return to the Manage External Accounts page and verify the amount of the deposits. If the amounts are entered correctly, the link will be shown as Active and you may begin transferring funds to/from the external account.

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), the payment will display in online banking in one business day. If the payment is made after 1:01 p.m. (PT), the payment 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 pay off information), please call the Loan Servicing Department at (877) 896.8525. Representatives are available for assistance Monday through Friday, 8 a.m. to 5 p.m. PT (11 a.m. – 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 date of the transfer.

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 before 12 p.m. (PT), the payment will display on the credit card account on the following business day. If the payment is made after 12 p.m. (PT), the payment will display on the credit card account in two business days. There is no grace period on credit card accounts.

For questions regarding your credit card account, please call 877.881.6023 within the US or 310.643.2106 for international. 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 can be viewed by clicking Mortgage under the Accounts tab on the Dashboard then selecting Documents. 

• 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 by clicking Mortgage under the Accounts tab on the Dashboard then selecting Documents.

• Account Statements will be available for up to five years.
• Credit Card Statements will be available for up to 18 months.
• Loan Statements will be available for up to three months.

• You can always refer to your Account Statements to view your previous loan payment information.

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

1. Log into online banking
2. Click on the Account Options tab
3. Click on the link Change Email
4. Enter the email address
5. Click Update

Please follow these steps:

1. Log into online banking
2. Click on the eDocuments tab
3. In the sub navigation, click on the link Preference”
4. Select your delivery preference
5. Click Submit
6. Click I Agree to the eDocuments eSign Disclosure

You are now enrolled into eDocuments.

To view your eDocuments from previous months:

1. Click on the eDocuments tab
2. Select the desired document type from the sub navigation.
   • To view more than the six most recent statements click the Show All button to view more.
   • The option to filter by year will show if you have multiple years of statements.
3. Click View PDF for the month you would like to view and print

A window will appear with your statement information. Click on the printer icon to print your statement.

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. 

Please follow these steps:

1. Log into online banking
2. From the Account Dashboard page, select Details under the First Mortgage section.
3. The Mortgage Center will open, then click on Loan Statements and eStatements Agreement.

Check the boxes at the bottom to agree to the disclosure to receive your statements electronically only. This same option will allow you to revert to paper statements, if you so choose.

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

• Click on the Account Dashboard within online banking and select the checking account to view

• Under Transaction History, select one of the options
  • Default is set at 60 days
  • Select Other to enter a date range
• Under Additional Filter options select Checks under the Show Only dropdown.
• 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;

• Click Submit
• Double click on the check icon to view the image
• 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.

Check copy images are available online for approximately one year. To request check copies outside of this range, please 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.

A. Member Number: This is a number that 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.
 
B. 14-digit account number (also known as the MICR Number): This is a set of numbers which identifies a specific account type to debit or credit (e.g., S01 savings, S05 checking, S16 money market savings, etc). For Direct Deposit and/or automatic payments please provide to the merchant the 14-digit account number for the specific account you are setting up and ensure all numbers are used. 

1. Login to online banking.
2. Go to eDocuments, click on an Account Statement and a PDF will open.
3. Your Member Number appears in the top right corner.

The 14-digit account number and routing number information is available online. To find the information, please follow these steps:

1. Log into online banking
2. Select the specific account you would like to obtain the information
3. On the right-hand side of the page, click on the link “What is my account and routing number?”  

For Business accounts, loans, and certificates, the account number and routing number can be found following these steps:

1. Log into online banking
2. Select the specific account you would like to obtain the information
3. On the right-hand side of the page, click on the Account Details link
4. The full 14-digit account number is listed next to the MICR Number
5. The routing number for Kinecta is 322278073 and is located directly under the MICR Number information.

To go paperless, log into online banking and go to your Account Dashboard. Select Mortgage under the Accounts tab then select Go paperless today. Turn the Paperless Billing option to ‘on’ and click Update. Review the eStatement Policy, check the box at the bottom of the disclosure and click Accept Terms. This same option will allow you to revert to paper statements if you choose.
 
There are many options to choose from to receive email and text alerts including when your mortgage statement is available. Find these options by clicking Mortgage under the Accounts tab on the Dashboard then selecting Communications, which can be accessed from your profile. 

To see more detailed information, click on Mortgage under the Accounts tab on the Dashboard. You will then be taken to your mortgage, where you will be able to navigate through the following options:

• Payments (One time or automatic payments)
• Mortgage (terms of your mortgage and escrow information, if applicable)
• Documents (view monthly billing and year-end statements, payoff statements)
• Calculators
• Help

You can perform many of your financial transactions and obtain services at branch locations or other credit unions belonging to the network. By using the CU Service Centers^® Network, your membership and accounts remain at Kinecta, but you can access your accounts and conduct business with us (Kinecta) through any of the convenient CU Services Centers^® locations. Through a network of participating credit unions, access to your Kinecta account and credit union services is made easier.
 
 To access this information, from our home page:

1. Click on the Locations link (at the top of the page)
2. Enter your Zip or City/State
3. Mark the appropriate boxes under Search Options
4. Click Go

A list of the closest locations will appear. Click on the desired location to view hours, directions and additional information regarding the specific location.