Insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency

ProtectPlus Terms and Conditions:

Membership requirements apply. Refer to the Agreements & Disclosure booklet for terms and conditions applicable to specific accounts. 

^†Registration/activation required

¹ProtectPlus 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. 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.

²Special 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 or Mobile App. 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. 

³Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

⁴Restrictions apply. See Kinecta Online Banking or Mobile App for details.

⁵Benefits 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 not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.

⁶Early 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.

⁷ATM fees No-surcharge fee for Kinecta and affiliated credit union CO-OP and Allpoint ATMs. Unaffiliated ATM owner/operators may assess a fee.

⁸Mobile banking. Message and data rates may apply.

⁹U.S. checking or savings account required to use Zelle^®. Transactions between enrolled users typically occur in minutes. Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

¹⁰Automated 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.

Kinecta Federal Credit Union (“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.

¹¹Classic 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.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.