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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.

Debit Cards

Kinetic now offers high tech chip cards to all our debit and credit card holders.

Free SMART RATE Checking

Earn 1.00% APY*

This checking account doesn’t behave like most checking accounts – it actually earns a high-yield rate. Ideal for those who keep a high monthly balance, 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. All rates are subject to change. Annual Percentage Yield is accurate as of February 1, 2017. Please contact Kinetic Credit Union for further information on current rates and terms. For Smart Rate 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.

**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.