Congratulations on your new account benefits!
Enjoy added protection and benefits with your ProtectPlusTM account.
Protect Yourself
Roadside Assistance1 – 24-hour roadside services including vehicle towing, fuel/oil/fluid/water delivery and battery/lock-out/tire assistance up to $100 per occurrence. Maximum of two occurrences per twelve month period.
RideShare Protection1 – Up to $100,000 of accidental death and dismemberment coverage and $10,000 of accident medical expense benefit if injured while traveling in a vehicle operated by a Transportation Network Company.
Telehealth2† – Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to care for you and your family. There are zero copays and no surprise bills, plus discounts on prescriptions and lab work.
Protect Your Finances
Cell Phone Protection1 – Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad, for up to four phone lines. $50 deductible applies. Up to two claims and maximum of $1,000 per eligible account, per twelve-month period. (Cell phone bill must be paid using Protect Plus Checking.)
Fuel Savings3 – Register for the Fuel Rewards® program and save 5¢/gal on every fill-up at participating Shell stations with Extended Gold Status.
Travel and Leisure Discounts – Save up to 50% on dining, travel, shopping and more with thousands of deals from local and national businesses. (Available via mobile and web only.)
Financial Wellness 360º – Maximize your financial wellbeing with digital access to unlimited one-on-one coaching, interactive courses, videos, booklets, infographics and more. (Available via mobile and web only.)
Protect Your Identity and Reputation With IDProtect®4
Identity Monitoring† – Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records and more.
Fully Managed Identity Theft Resolution Services – Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.
Identity Theft Expense Reimbursement Coverage1 – Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
High Risk Transactions Monitoring† – Receive alerts to warn you if someone is using your identity to conduct a high risk transaction at hundreds of participating banks, brokerages, payment services, cellular providers, insurance companies, retailers and more.
Dark Web Monitoring† – Monitor your personal information on the dark web and receive alerts when your personal information is exposed online with our Dark Web Monitoring identity theft prevention product, also known as cyber monitoring.
Social Media Monitoring† – Safeguard your online presence, alerting you to any signs of hacked accounts, online threats or reputational damage, allowing you to take prompt action.
Debit and Credit Card Registration† – Register your credit and debit cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen.
Experience Better Banking5
- Checking Dividends – Earn dividends on your checking account.
- Certificate Boost – Earn an additional ten basis points on eligible certificates.
- Digital Investing – One automated and self-directed transaction fee waived monthly.
- Wire Transfer – One domestic wire transfer fee waived per month.
- Cashier’s Checks – Unlimited free cashier’s checks.
- Notary – Up to three notary fees waived per month (non-mortgage related).
- ATM Fees – Kinecta’s $2 out-of-network ATM fee will be waived.
- Non-Sufficient Funds (NSF) Fee – One NSF fee waived per month.
Access your benefits
Access your benefits anytime by logging in to online banking or the mobile app, navigating to Accounts in the main menu and selecting ProtectPlus Benefits. (Trust accounts: Visit protectplus.kinecta.org and enter the Access Code provided in your notification letter.)
Enjoy complimentary access to your ProtectPlus™ benefits through February 28, 2025. A low monthly fee of $9.95 will be first billed on March 31, 2025, which can be waived by maintaining a $10,000 average monthly balance in your ProtectPlus account.
Keep your account information
Your account information will remain the same, including your account numbers, debit cards, direct deposit/withdrawal arrangements and digital access. If you would be better suited for a different account or want to learn more about your ProtectPlus account and the February 1 transition, please call 800.854.9846, visit your local Kinecta branch or book an appointment.
Questions?
For more information on your account upgrade or benefits, contact us at one of the numbers below.
General benefits
866.210.0361 | Mon – Fri, 5:30 a.m. – 4 p.m. PT.
Account upgrade or banking benefits
800.854.9846 | Mon – Fri, 5 a.m. – 6 p.m. PT. Saturday 6 a.m. – 3 p.m. PT.
*If you have multiple checking accounts, please log in to the mobile app or online banking to confirm which account converted to ProtectPlus™. If you would prefer to receive your ProtectPlus™ benefits on a different checking account, please visit us at a branch or call 800.854.9846.
† Registration/activation required
1Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit. Guide to Benefit can be found through Kinecta Online Banking, Mobile App or protectplus.kinecta.org. Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
2Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.
3Restrictions apply. See Kinecta Online Banking, Mobile App, or protectplus.kinecta.org for details.
4Benefits are available to personal checking account owner(s) and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are available to non-publicly traded businesses and their business owner(s) listed on the account but are not available to employees or authorized signers who are not owners. Benefits are not available to a “signer” on the account who is not an account owner or to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, Benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the primary member (Fiduciary is not covered).
5ProtectPlus benefits are available only under the same membership. ProtectPlus™ Checking accounts are dividend-bearing accounts. For the current dividends and corresponding Annual Percentage Yield (APY), refer to the Dividend Rate Sheet. Only one (1) Non-Sufficient Funds (NSF) fee and one (1) Domestic Wire fee may be waived monthly. An NSF fee is assessed for item(s) returned unpaid due to insufficient/uncollected funds including, but not limited to checks and Automated Clearing House (ACH) transactions (per presentment). New or renewing certificates are eligible for a rate increase, excluding all other promotions including, but not limited to, promotional certificates. ProtectPlus™ benefits cannot be combined with other relationship benefits and benefits do not roll over. Monthly fee of $9.95 can be waived by maintaining a $10,000 average monthly balance in your ProtectPlus™ checking account. Refer to Kinecta Federal Credit Union’s Agreements and Disclosures booklet and Consumer Schedule of Fees and Charges for additional terms and conditions such as fees, payment of dividends and other details applicable to your specific account. Terms and conditions subject to change.