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Checking Accounts

Discover the checking account that fits your needs today!


Kinetic Checking

For banking on the move.

Kinetic is proud to offer a range of checking accounts designed with your needs in mind. We want to make checking easy for you. That's why these checking accounts are completely FREE. Below are some of the great benefits offered in the various accounts. See the individual descriptions of the accounts to see the benefits that pertain to that account:
  • Free Online Banking, Bill Pay, eDeposit & Mobile Banking
  • ScoreCard Rewards (Debit Card Reward Points)
  • Occasional Overdraft Privilege Service (OOPS!)
    "Certain Restrictions Apply"
  • Free Use of Kinetic's ATMs
  • No Cost Financial Planning
  • No Minimum Balance Requirement
  • Free Notary Service and Coin Counting Service
  • 24-hour toll-free account access from your telephone
  • Worldwide Service Center Network (Access to over 5,000 Credit Union Service Centers)
  • Debit Card Protection with Verified by VISA
Take a look and discover the checking account that fits your needs.

Free Rewards Checking

Get more from every transaction. With Free Rewards Checking, you’ll receive the same benefits you’ve come to expect from Kinetic Credit Union and a dividend rate that grows with your account balance.

Free SMART RATE Checking

Earn 2.00% APY

This checking account doesn’t behave like most checking accounts – it actually earns a high-yield rate. Ideal for those who keep a monthly balance up to $5,000, this free account is available to members who use electronic statements and conduct at least 10 debit card transactions per month. Holders of this account receive all of the benefits of Rewards Checking, plus:
  • Higher Dividend Rate
  • 2 Free ATM transactions per month**
*APY = Annual Percentage Yield. For Smart Rate Checking accounts with balances below $5,000.01, 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.

**Smart Rate 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.


Free Next Generation


If you’re a young adult, you need a checking account that can keep up with your always changing, on-the-go demands. With a Kinetic Next Generation Checking account, in addition to free checking, you will also be eligible for great benefits such as:
  • Unlimited check writing
  • Free access to eBranch, Bill Pay, and Mobile Banking
  • Two (2) Free non-Kinetic ATM/POS Transactions per month*
  • And much more!
* Next Generation Checking account holders must agree to receive statements electronically. Next Generation Checking account holders receive two (2) free non Kinetic ATM/POS transactions per month. The operator of the ATM may assess a fee for cash withdrawals and balance inquiries.
Scorecard Rewards

Earn bonus points for every purchase made with your Kinetic Credit Union VISA® card! Your Kinetic Credit Union VISA Debit or Credit card includes ScoreCard, a rewards program like no other. You earn Bonus Points for every qualified retail purchase you make. Those points can be redeemed for brand-name merchandise and awesome travel awards, including airline tickets! For more information on items you can get through scorecard rewards click here. For a complete list of items your Bonus Points can be redeemed for go to and log in to your account.

Kinetic has completed the process of converting our ScoreCard® Rewards points program database. All members will need to create a new ScoreCard® Rewards profile to access their points. Go to for instructions on how to create a ScoreCard® Rewards profile, to view, or redeem your points. If you previously had points due to expire on 04/30/2015, those points will now expire on 04/30/2016. Thank you for your patience during this conversion period.