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  Kinecta Federal Credit Union Checking Plus
Kinecta Federal Credit Union Checking Plus
in Checking Accounts from Kinecta Federal Credit Union
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Kinecta Federal Credit Union Checking Plus

Unaffiliated
in Checking Accounts from Kinecta Federal Credit Union
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.10% - 0.25%
(Verified 07/13/2022)
Monthly Fee $0 - $9
Minimum Balance to Avoid Monthly Fee Starting at $2,500

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

  • Higher than average APY. Kinecta Federal Credit Union Checking Plus has an annual percentage yield of up to 0.25%, which is higher than the national average interest rate on savings accounts.
  • Charges a monthly fee. This account charges a monthly service 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.
  • No minimum initial deposit. There is no minimum balance required to open an account online.
  • Bill pay. Pay your bills to practically anyone in the United States through Kinecta Federal Credit Union.

Kinecta checking account Pros & Cons

Pros Cons
  • Interest-yielding account.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge (if minimums are not met).

Kinecta checking account 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 checking account offer?

Kinecta checking account offers an APY starting at 0.10% and ranging up to 0.25% (APY stands for annual percentage yield, rates may change).

Kinecta checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.10% - 0.25%

What are the account minimums for Kinecta checking account?

Kinecta checking account does not require a minimum initial deposit.

Kinecta Federal Credit Union Checking Plus Minimums
Description
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $2,500
Minimum Direct Deposit to Avoid Monthly Fee Starting at $500

What fees does Kinecta checking account charge?

This account charges a monthly service fee of up to $9.

Kinecta Federal Credit Union Checking Plus Fees
Description
Monthly Fee $0 - $9
ATM Fee: In-Network $0
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $4
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $55
Paper Statement Fee $2
Online Bill Pay Fee $0
Check Copy $3.50
Check Cashing Fee $5
Debit Card Replacement Fee $18
Early Account Closure $5

Does Kinecta checking account charge overdraft fees?

Yes, Kinecta checking account charges a $30 fee for every overdraft. You can get overdraft protection at a cost of $4 per transaction.

What features and perks does Kinecta checking account offer?

This account includes the following features:

  • Fraud monitoring - Kinecta checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Kinecta checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Kinecta checking account?

The customer support email for Kinecta checking account is info@kinectawealth.org.

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Message From Kinecta checking account

We're just like the big banks – but we typically exceed member expectations with higher deposit dividend rates, low or no fees, and personalized, friendly service. With balances NCUA-insured up to $250,000, your funds are safe with us. 

It’s the checking account that pays you! If you maintain a large balance in your account, consider the added benefits of Checking Plus. 

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00pm
  • Tuesday 9:00am - 6:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 6:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 2:00pm

Other Services by Kinecta Federal Credit Union

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $2,500
Minimum Direct Deposit to Avoid Monthly Fee Starting at $500
Monthly Fee $0 - $9
ATM Fee: In-Network $0
Foreign Transaction Fee (Debit Card) 3%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $4
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $55
Paper Statement Fee $2
Online Bill Pay Fee $0
Check Copy $3.50
Check Cashing Fee $5
Debit Card Replacement Fee $18
Early Account Closure $5
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0.10% - 0.25%
(Verified 07/13/2022)

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