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Identity theft consistently tops the list of consumer complaints that are reported to the Federal Trade Commission and other enforcement agencies every year. Now, you can better protect your identity with IDProtect® from Kinetic.
 
IDProtect® is an exclusive benefit for members with Kinetic Checking.
 







Your monthly checking account fee of $4.95 gives you access to the peace of mind and money-saving benefits you deserve. Plus if you maintain an average daily balance of $3,000 the fee is waived!
 
If you already have Kinetic Checking, you can register anytime. Just use the access code assigned to you at account opening.  
 
To open a Kinetic Checking account, choose the way that’s convenient for you:
 



 
*Kinetic Checking account holders receive two (2) free non-Kinetic ATM transactions per month. The operator of the ATM may assess a fee for cash withdrawal and balance inquiries.

**APY = Annual Percentage Yield. All rates are subject to change. Annual Percentage Yield is accurate as of May 1, 2017. Please contact Kinetic Credit Union for further information on current rates and terms. For Kinetic Checking accounts with balances below $10,000.01, to meet the qualifications you must (1) receive monthly electronic statements and (2) make ten (10) debit card transactions (signature, PIN-based point-of-sale purchases, or online purchases and excludes ATM withdrawals, transfers, and deposits) that post and settle to your account.

1. IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

2. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.