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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

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in Checking Accounts from Kinecta Federal Credit Union

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Highlights
Highlights
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 $2500 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
Pros Cons
  • Tiered interest bearing account
  • Nationwide free ATMs
  • Deals and discounts to Southern CA theme parks for members.
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic wire transfers.
  • Low APY with monthly fee if minimum requirements are not met.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
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).

Kinecta Federal Credit Union Checking Plus Rates and Terms
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.

Kinecta Federal Credit Union Checking Plus Account Minimums
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.

Kinecta Federal Credit Union Checking Plus Fees
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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   1440 Rosecrans Avenue
    Manhattan Beach, CA 90266
  •   Visit Site

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

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
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
ATM Fee: Out-of-Network $0
Check Copy $3.50
Debit Card Replacement Fee $18
Early Account Closure $5
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $9
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $4
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $55
Bank Account Features
  • Branch Access
  • NCUA Member
  • Debit Card
  • Free Bill Pay
  • Mobile Banking
  • Nationwide ATM Network
  • Interest Bearing Account
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.05% - 0.35%

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