Kinecta Federal Credit Union Checking Plus
in Checking Accounts from Kinecta Federal Credit Union
UnaffiliatedKinecta Federal Credit Union Checking Plus
in Checking Accounts from Kinecta Federal Credit Union
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| Monthly Fee | $0 - $9 |
| ATM Fee: Out-of-Network | $0 |
| Minimum Balance to Avoid Monthly Fee | $2,500 |
| APY (Annual Percentage Yield) | 0.05% - 0.35% |
Kinecta Federal Credit Union Checking Plus Review
Kinecta Federal Credit Union Checking Plus is offered by Kinecta Federal Credit Union, a credit union founded in 1940 and based in Manhattan Beach, CA. Kinecta Federal Credit Union Checking Plus is available in 1 state across the USA.
Key Takeaways
- Low APY. The maximum annual percentage yield for this account is only .35%.
- Charges a monthly fee. This account charges a monthly maintenance fee of up to $9, but the fee is waived if you keep a minimum balance of $2,500 or have a monthly direct deposit of $500.
- Small minimum initial deposit. You only need $15 to open an account.
- Free bill pay. Pay your bills to practically anyone in the United States through Kinecta Federal Credit Union.
- Hard credit pull. Kinecta Federal Credit Union may require a hard pull on your credit report to open a checking account.
Kinecta Federal Credit Union Checking Plus Pros & Cons
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Kinecta Federal Credit Union Checking Plus FAQ
Are checking accounts from Kinecta Federal Credit Union federally insured?
No, your Kinecta Federal Credit Union checking accounts are not insured by a federal insurance agency. This means that if Kinecta Federal Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.
What APY does Kinecta Federal Credit Union Checking Plus offer?
Kinecta Federal Credit Union Checking Plus offers an APY starting at .05% and ranging up to .35% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
|---|---|
| APY (Annualized Percentage Yield) | .05% - .35% |
What are the account minimums for Kinecta Federal Credit Union Checking Plus?
Kinecta Federal Credit Union Checking Plus requires a minimum initial deposit of $15 to open an account.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $15 |
| Minimum Direct Deposit to Avoid Monthly Fee | $500 |
| Minimum Balance to Avoid Monthly Fee | $2,500 |
What fees does Kinecta Federal Credit Union Checking Plus charge?
This account charges a monthly maintenance fee of up to $9.
| Description | |
|---|---|
| Monthly Fee | $0 - $9 |
| Paper Statement Fee | $2 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $0 |
| NSF Fee | $30 |
| Overdraft Protection Fee (per transfer) | $4 |
| Overdraft Item Fee | $30 |
| Early Account Closure | $5 |
| Returned Deposit Fee (Domestic) | $25 |
| Debit Card Replacement Fee | $18 |
| Bank Teller Fee | N/A |
| Check Cashing Fee | N/A |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $20 |
| Check Image Service | N/A |
| Check Copy | $3.50 |
| Foreign Transaction Fee (Debit Card) | 3% |
| Wire Transfer Fee - Domestic (Outgoing) | $25 |
| Wire Transfer Fee - International (Outgoing) | $55 |
| Wire Transfer Fee - International (Incoming) | $10 |
| Returned Deposit Fee (International) | $25 |
| Wire Transfer Fee - Domestic (Incoming) | $0 |
| ATM Reimbursement Monthly Limit | N/A |
What features and perks does Kinecta Federal Credit Union Checking Plus offer?
This account includes the following features:
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Kinecta Federal Credit Union Checking Plus allows you to manage your money online. This includes depositing checks in your account with your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
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Contact
- Headquarters
-
1440 Rosecrans Avenue
Manhattan Beach, CA 90266 - Visit Site
About Kinecta Federal Credit Union Checking Plus
Availability
Available in 1 state
California
Availabile in all of California
Feature Breakdown
| Minimum Direct Deposit to Avoid Monthly Fee | $500 |
| Minimum Initial Deposit | $15 |
| Minimum Balance to Avoid Monthly Fee | $2,500 |
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