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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)
  • Two (2) Free non-Kinetic ATM/POS Transactions per month
  • 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 have a monthly direct deposit of at least $100*. Holders of this account receive all the benefits of Kinetic Checking, plus:
  • Higher Dividend Rate
  • 2 Free ATM transactions per month**
*APY = Annual Percentage Yield. Smart Rate Checking account holders must agree to receive statements electronically and have a direct deposit of at least $100.00 per month. If Smart Rate Checking account holders do not satisfy the monthly requirements, the account will be converted to Rewards Checking. **Smart Rate 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.


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
  • 2 free ATM 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 is in the process of converting our ScoreCard® Rewards points program database. This conversion will take place on February 23, 2015 and could take up to 120 days to complete. When the conversion process starts, your access to the online ScoreCard® Rewards program will be temporarily unavailable. During the conversion period you will still earn ScoreCard Rewards Points on purchases made with your Kinetic Cards but you will not be able to login to view or redeem your points until the conversion is complete. We are sorry if this may cause you any inconvenience. We will post a message on our website when the ScoreCard® Rewards login is available again. Please check back for updates.