Kinecta Federal Credit Union Checking Plus
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Checking Accounts from Kinecta Federal Credit Union
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Kinecta Federal Credit Union Checking Plus
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| 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
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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).
| 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.
| 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.
| 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
Contact
- Headquarters
-
1440 Rosecrans Avenue
Manhattan Beach, CA 90266 USA - Visit Site
- Email Support
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 |
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